Our Products and Product Providers: We provide advice to our clients on the following financial products:

• Lenders: AIA Go Home Loan, ANZ, ASB, ASAP Finance Limited, Avanti Finance, Bank of China, Basecorp Finance, BIZCAP, BNZ, CFML, China Construction Bank (New Zealand) Limited, Cressida Capital, DBR, Finbase, First Mortgage Trust, General Finance, Heartland Bank, Industrial and Commercial Bank of China (New Zealand) Limited, Kiwibank, Liberty Financial Limited, Midlands Funds Management, Pallas Capital, Pepper Money, PROSPA, RESIMAC, SBS Bank, Select Home Loan, The Co-operative Bank, TSB, Unity, Westpac.

Each adviser may have specific product providers they are accredited with, and details will be provided in their individual Disclosure Guide. Advisers will provide their Disclosure Guide when you engage them or upon request.

Fees and Expenses: We generally do not charge fees for our advice, as we receive commission from product providers upon settlement. However, we may charge a one-off fee in the following situations:

• No commission received: If we provide services where no commission is paid, we may charge a fee based on our time spent. This would be agreed upon in writing before services are provided.
• Repayment of commission: If a lender or insurer requires us to repay commission within 28 months of settlement, we may charge you a fee of up to $3,000 (plus GST), calculated at $250 per hour (plus GST).
• Pre-approval fees: If you do not proceed with a pre-approval or allow it to lapse without renewal, we may charge up to $250 per hour (plus GST), capped at $3,000 (plus GST) for up to 12 hours of work.

Should we need to charge a fee, you will be invoiced with a 30-day payment period.

Commissions and Other Incentives: If you proceed with a financial product based on our advice, we may receive:

• Upfront commissions (e.g., a percentage of the loan amount at drawdown or the first year’s insurance premium).
• Renewal or trail commissions (e.g., a percentage of the ongoing loan balance or insurance premium).
• Fixed-rate rollover fees (for assisting in refixing a loan).
• Referral fees (for referring business to third parties e.g. insurance providers).
• Other incentives or rewards, such as event tickets or gifts.

Further details about the commissions we receive will be disclosed in your Financial Adviser’s Disclosure Guide.

Conflicts of Interest: We may attend industry events where product providers share information about their offerings. To ensure conflicts of interest do not affect our advice, we:

• Follow a structured advice process to prioritize your interests.
• Train our advisers on managing conflicts of interest.
• Provide you with a schedule of commission payments in our Disclosure Guide.

Any additional conflicts of interest will be disclosed in your Financial Adviser’s Disclosure Guide.