# The Loanary Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-06 - **Source URL:** https://www.theloanary.co.nz/publicly-available-information/ - **Source PDF SHA256:** `b1185e6a4b1c9385bd864fee5b475a12...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-06-06 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP1000973/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1000973/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1000973 > **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. --- # Publicly Available Information ## Our Business Details The Loanary Limited is a Licensed Financial Advice Provider approved by the FMA to provide Financial Advice services. **Financial Services Provider (FSP) number is** FSP1000973. **FSP Name** THE LOANARY LIMITED **NZBN** 9429048975353 Trading As The Loanary **FSP Registration Date** 27-Oct-2021 **The Loanary Limited (FSP1000973)** is an Authorised Body under full licence with NZ FINANCIAL SERVICES GROUP LIMITED (FSP286965) (NZBN: 9429030335615) --- ## Our Office Contact Details **Email:** info@theloanary.co.nz **Phone:** 0800 782 555 **Address:** Hudson Kasper, Level 2, Boehringer Ingelheim Building, 2 Osterley Way, Manukau City, Auckland 2104 **Web:** www.theloanary.co.nz --- ## Our Services - Home Loans and Investment Property Finance - Business loans and Finance - Vehicle, Asset, Machinery & Equipment Finance - We refer Life & Health Insurance to other organisations. - We refer Fire & General Insurance to other organisations. - We refer Kiwi Saver and Investments to other organisations. --- ## Products We Can Advise On - Mortgage lending (Personal & Business) - Asset Finance (Personal & Business) - Fixed Rate Reviews - Mortgage Refinance/Restructure - Mortgage Top Ups including Green Loans --- ## Product Providers We May Recommend **Bank** - ANZ - ASB - BNZI - Westpac - KiwiBank - TSB - SBS - Co-Operative Bank - Heartland Bank **Non-Bank** - Avanti - BizCap - Prospa - Cressida - Finbase - Liberty - F MT - DBR - Pepper Money --- ## Fees & Expenses Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: 1. **No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. 2. **Clawback of commission:** If you choose to repay or refinance your home loan within 28 months of settlement, your lender will "clawback" the original commission payment from The Loanary, according to their clawback rules. A "prorated" clawback fee will then be charged to your adviser. Your adviser may then on-charge you. Further details are available in the Advisers Hello Book and your financial adviser disclosure documents. --- ## Other Costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs in writing with you prior to incurring them. --- ## Conflicts of Interest We're here for our clients and to advise you as best we can. Your interests remain our priority although we do have business relationships with product providers also. The Loanary and our financial advisers receive commissions from the lenders we recommend to you. **Ongoing Trail Commission:** a percentage of the value of the outstanding loan amount, usually calculated at the end of each month in which you hold the loan. To ensure that our Financial Advisers prioritise your interests above their own, we operate a framework of policies and follow the 6-Step Advice Process that ensures our recommendations are made based on your goals and circumstances. Our Financial Advisers undergo regular audit reviews and receive training. --- ## The Six Step Advice Process #### Step 1 – First Chat We put you the customer and your needs first. We will understand what your wants and needs are. Furthermore, we will describe our services we offer, and what we can't offer. As a minimum, we will provide you with: - A Hello Book - An Online Fact Find (Full or partial options) - A Declaration Form - Privacy Policy access - Any other material attachments #### Step 2 – Client Discovery This step is achieved using the Fact Find and having a discussion with you. We will gather documents from you that the lender will require to assess a loan application such as bank statements and pay slips. #### Step 3 – Research At this step of the advice process, our Financial Adviser uses their combined knowledge, skill and experience to come up with a recommendation. This should be tailored for your specific needs. #### Step 4 – Submit Application We will endeavour to get your loan submitted and as soon as possible provide you with the confidence and comfort to move forward. #### Step 5 – Approval & Recommendation The lender should have all the information required to make a decision on your loan. We will produce a Game Plan for you. #### Step 6 – Keep in Touch We will be your ongoing contact and help you when your needs require it. --- ## What Should You Do If Something Goes Wrong? If you have a complaint about our service, you need to tell us about it. You can contact our internal complaints service by phoning us on **0800 782 555** or emailing us at **info@theloanary.co.nz** with the heading Complaint – (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. **Details of this service are:** Financial Services Complaints Limited **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz --- ## Duties Information We are bound by the duties of the Financial Markets Conduct Act to meet the standards of competence, knowledge and skill as set out in the Code of Conduct for Financial Advice Providers. We give priority to our clients' interest and we exercise care, diligence and skill. We meet the standards of ethical behaviour, conduct and client care as set out in the Code of Conduct. --- *Note: The site references an "Important Documents" page at https://www.theloanary.co.nz/important-documents/ and an "Advisers Hello Book" which may contain additional adviser-level disclosure documents (including individual adviser disclosure statements and further clawback details). These sub-documents have not been reproduced here.*