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      "slug": "teresa-dawn-greenhill-hawera-FSP1002225",
      "profile_url": "https://financeadvisers.co.nz/adviser/teresa-dawn-greenhill-hawera-FSP1002225",
      "fap_fsp_number": "FSP37033",
      "fap_name": "Mike Pero Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/teresa-dawn-greenhill-hawera-FSP1002225/can-advise-on",
      "city": "Hawera"
    },
    {
      "fsp_number": "FSP26101",
      "name": "Wayne Frederick James Collier",
      "slug": "wayne-frederick-james-collier-new-plymouth-FSP26101",
      "profile_url": "https://financeadvisers.co.nz/adviser/wayne-frederick-james-collier-new-plymouth-FSP26101",
      "fap_fsp_number": "FSP37033",
      "fap_name": "Mike Pero Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/wayne-frederick-james-collier-new-plymouth-FSP26101/can-advise-on",
      "city": "New Plymouth"
    },
    {
      "fsp_number": "FSP729491",
      "name": "Yun Shan Liang",
      "slug": "yun-shan-liang-auckland-FSP729491",
      "profile_url": "https://financeadvisers.co.nz/adviser/yun-shan-liang-auckland-FSP729491",
      "fap_fsp_number": "FSP37033",
      "fap_name": "Mike Pero Mortgages Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/yun-shan-liang-auckland-FSP729491/can-advise-on",
      "city": "Auckland"
    }
  ],
  "overflow": null,
  "as_of": "2026-06-02",
  "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 Sovereign Home Loans 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."
}