{
  "product_provider": "Bank and Non-Bank providers (list at https://nonbank.co.nz/bank-and-non-bank-product-providers/)",
  "slug": "bank-and-non-bank-providers-list-at-https-nonbank-co-nz-bank-and-non-bank-product-providers",
  "name_variants_in_corpus": [
    "Bank and Non-Bank providers (list at https://nonbank.co.nz/bank-and-non-bank-product-providers/)"
  ],
  "page_url": "https://financeadvisers.co.nz/network/insurer/bank-and-non-bank-providers-list-at-https-nonbank-co-nz-bank-and-non-bank-product-providers/advisers",
  "parent_page_url": "https://financeadvisers.co.nz/network/insurer/bank-and-non-bank-providers-list-at-https-nonbank-co-nz-bank-and-non-bank-product-providers",
  "data_state": "pds-ingested",
  "fap_count": 1,
  "total_advisers": 5,
  "advisers_returned": 5,
  "edge_as_of": "2026-05-24",
  "faps": [
    {
      "fsp_number": "FSP271665",
      "name": "First Rate Mortgages Limited",
      "adviser_count": 5,
      "slug": "first-rate-mortgages-limited-fsp271665",
      "profile_url": "https://financeadvisers.co.nz/provider/first-rate-mortgages-limited-fsp271665",
      "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP271665/disclosure.md",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP271665/facts.json"
    }
  ],
  "advisers": [
    {
      "fsp_number": "FSP40717",
      "name": "Allan Robert Nicol",
      "slug": "allan-robert-nicol-manukau-FSP40717",
      "profile_url": "https://financeadvisers.co.nz/adviser/allan-robert-nicol-manukau-FSP40717",
      "fap_fsp_number": "FSP271665",
      "fap_name": "First Rate Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/allan-robert-nicol-manukau-FSP40717/can-advise-on",
      "city": "Manukau"
    },
    {
      "fsp_number": "FSP765731",
      "name": "Danielle Serena Happy",
      "slug": "danielle-serena-happy-orewa-FSP765731",
      "profile_url": "https://financeadvisers.co.nz/adviser/danielle-serena-happy-orewa-FSP765731",
      "fap_fsp_number": "FSP271665",
      "fap_name": "First Rate Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/danielle-serena-happy-orewa-FSP765731/can-advise-on",
      "city": "Orewa"
    },
    {
      "fsp_number": "FSP41041",
      "name": "Kim Nigel Lyons",
      "slug": "kim-nigel-lyons-orewa-FSP41041",
      "profile_url": "https://financeadvisers.co.nz/adviser/kim-nigel-lyons-orewa-FSP41041",
      "fap_fsp_number": "FSP271665",
      "fap_name": "First Rate Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kim-nigel-lyons-orewa-FSP41041/can-advise-on",
      "city": "Orewa"
    },
    {
      "fsp_number": "FSP1006557",
      "name": "Murray David Moore",
      "slug": "murray-david-moore-orewa-FSP1006557",
      "profile_url": "https://financeadvisers.co.nz/adviser/murray-david-moore-orewa-FSP1006557",
      "fap_fsp_number": "FSP271665",
      "fap_name": "First Rate Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/murray-david-moore-orewa-FSP1006557/can-advise-on",
      "city": "Orewa"
    },
    {
      "fsp_number": "FSP766631",
      "name": "Natalie Coral Siebrits",
      "slug": "natalie-coral-siebrits-orewa-FSP766631",
      "profile_url": "https://financeadvisers.co.nz/adviser/natalie-coral-siebrits-orewa-FSP766631",
      "fap_fsp_number": "FSP271665",
      "fap_name": "First Rate Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/natalie-coral-siebrits-orewa-FSP766631/can-advise-on",
      "city": "Orewa"
    }
  ],
  "overflow": null,
  "as_of": "2026-09-19",
  "provenance": {
    "source": "FAP Public Disclosure Statements (FMC Act 2013 s431) joined to FSPR adviser–FAP appointments via FinanceAdvisersNZ PDS mirror",
    "extraction": "Sonnet-extracted product_panel; confidence tier C; provider-name variants canonicalised via hand-curated alias list",
    "framing": "Advisers at FAPs that have disclosed Bank and Non-Bank providers (list at https://nonbank.co.nz/bank-and-non-bank-product-providers/) in their PDS product panel. AI-summarised from PDS; refer to each FAP's original disclosure for the authoritative list. Not adviser-specific scope of advice.",
    "verbatim_passthrough_per_fap": "See faps[].disclosure_md_url",
    "pds_corpus_coverage": "~107 of ~2,444 NZ FAPs (~4.5%) as of 2026-06-01",
    "schema_version": "2026-06-01"
  },
  "notes": "FinanceAdvisersNZ is a directory mirror, not the regulator. Product-panel disclosure is firm-wide (FAP-level), not adviser-specific. For binding regulatory purposes, refer to each FAP's own current Public Disclosure Statement."
}