# Andco Mortgages Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-20 - **Source URL:** https://www.andcomortgages.nz/disclosure-statement/ - **Source PDF SHA256:** `802769ae54b2c73850018960982a3fa7...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-05-20 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP1000855/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1000855/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1000855 > **About this document.** FAP Public Disclosure Statements are regulated documents that financial advice providers must publish under the Financial Markets Conduct Act 2013, section 431. The content below is the FA-NZ mirror — machine-parsed from the source PDF on the date shown above. For binding regulatory purposes, refer to the firm's own current publication via the source URL above. --- # PUBLIC DISCLOSURE ## AndCo Mortgages Limited --- ## Licence Status and Conditions AndCo Mortgages Limited ("the Company") holds a licence issued by the Financial Markets Authority ("FMA") to provide financial advice. The Company is not bound by any restrictions on this licence. --- ## Nature and Scope of Advice The Company offers a range of products including mortgages, investment and retirement planning and personal insurances. We provide financial advice about products from a range of providers: - **For mortgages**, we work with various major banks and other second tier lending companies. - **For life insurance and health insurance**, we work with the major insurance companies in New Zealand. - **For KiwiSaver**, we work with four providers which includes Funds Administration New Zealand, ANZ Investments, Booster Investment Management and Nikko Asset Management. - **For Investments** we use Synergy Investment Programme, Select Wealth Management and Nikko Asset Management. In providing you with financial advice around insurance, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. For KiwiSaver investments we offer general or personalised advice. We are paid a commission which is paid monthly in arrears depending on the funds under management. The commission can be up to 0.50%. We will also receive a sign-on commission which can be up to $50, which covers administration costs. If Nikko Asset Management is used as the KiwiSaver provider, a fee will be charged by the Company which is 0.25% per annum of the funds under management paid monthly in arrears. --- ## Conflicts of Interest and Commissions or Other Incentives Currently there are no conflicts of interest as it relates to the services provided by the Company. The Company and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, banks and KiwiSaver providers). If you decide to take out insurance or a mortgage, or take our KiwiSaver advice, the provider will pay a commission to the Company and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage, or the KiwiSaver balance. Management and staff of AndCo Mortgages may provide and accept gifts and gratuities within the following guidelines. The overriding philosophy is that professional integrity and honesty is to be maintained at all times. Compliance with the letter and the spirit of New Zealand laws and regulations is a mandatory element to AndCo Mortgages operations enhanced by personal and corporate integrity. To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by an external compliance adviser. --- ## Complaints Process If there are any problems, concerns, or complaints about any part of the Company's service, you can make a complaint by: - **Email:** hello@andcomortgages - **Phone:** 0800 472 478 - **Post:** AndCo Mortgages Limited, 32 Thompson Drive, Papamoa Beach, Papamoa, 3118 We will consider your complaint and let you know how we intend to resolve it. To assist with the analysis of the complaint we may need to contact you to get further information. We aim to resolve complaints within 15 working days of receiving them. If we can't, we will contact you within that time to let you know we need more time to consider your complaint. We will contact you by phone or email to let you know whether we can resolve your complaint and if so, how we propose to do so. ### Dispute Resolution Scheme If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our Dispute Resolution Scheme which is a **free service**: **Financial Services Complaints Limited (FSCL)** | | | |---|---| | **Address** | P.O. Box 5967, Wellington 6140 | | **Telephone** | 0800 347 257 / (04) 472 3725 | | **Email** | complaints@fscl.org.nz | --- ## Duties Information Under the Financial Markets Conduct Act 2013 the Company and its advisers are required to meet certain duties such as: 1. Ensuring that they meet the standards of competence, knowledge and skill as set out in the Code of Professional Conduct for Financial Advice Services; and 2. Give priority to client's best interest; and 3. Exercise care, diligence, and skill in giving financial advice; and 4. Meet the standards of ethical behaviour, conduct and client care set out in the code of conduct.