# Reliable Mortgages Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-06 - **Source URL:** https://reliablefinancialgroup.nz/disclosure/ - **Source PDF SHA256:** `2140054676d7e0b849172b69bdcbfaca...` - **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/FSP1003517/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1003517/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1003517 > **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. --- # Disclosure — Reliable Financial Group *Reliable Mortgages Limited t/a Reliable Financial Group* --- The purpose of the regulation is to help consumers find a financial advice provider that meets their needs. A website maintained by a Financial Advice Provider (FAP) is the most common place where this publicly available information should be accessible. This information must be easy to find, available at all reasonable times, and provided at no cost when requested. This document serves as the publicly available disclosure for Reliable Mortgages Limited t/a Reliable Financial Group. --- ## Important Information About Our Business Reliable Mortgages Limited t/a Reliable Financial Group holds a Financial Advice Provider licence issued by the FMA to provide financial advice services. **Financial Services Provider Number: 1003517** --- ## Our Office Contact Details | Detail | Information | |---------|----------------------------------------------------------| | Address | 1/14 Ormiston Road, Flat Bush, Auckland 2016, New Zealand | | Phone | 0800 473 542 | | Email | [email protected] | | Website | https://reliablefinancialgroup.nz/ | --- ## Nature and Scope of Financial Advice Services ### Our Services We provide advice on the following services: - Mortgages - Loans - Personal insurance - Life cover - Income protection - Trauma cover - Health insurance - KiwiSaver - Development loans - Home loan health checks - Construction loans ### Products We Advise On We can provide financial advice about the following: - Home loans - Investment loans - Refinance - Personal or group insurance products - Life, trauma, disability, and income protection - KiwiSaver ### Product Providers We Work With We provide advice about home loan and insurance products from the following providers: ANZ Bank, ASB Bank, BNZ Bank, Westpac, FMT, SBS, Sovereign, Co-op Bank, ASAP, Avanti Finance, Basecorp Finance, Cressida Capital, DBR, Heartland Bank, Liberty, Prospa, Resimac, Southern Cross, Select, XE Money Transfer and many more lenders across NZ. --- ## Our Fees We charge fees in certain situations. Fees may apply in situations such as non-solicitation or early repayment of a loan within the clawback timeframe. Refer to the Adviser Specific Disclosure Statement for full details. ### Other Costs There are no extra client costs. We do not charge clients additional expenses for the financial advice we provide. --- ## Commissions We may receive commissions from product providers on the following: ### Initial Commission - Mortgages - Risk Insurance - KiwiSaver ### Ongoing Commission - Mortgages - Risk Insurance - KiwiSaver --- ## Conflicts of Interest or Incentives The following apply to our business: - Training or conference support from product providers: **Yes** - CRM or software discounts: **No** - Other non-monetary benefits: **None** ### How We Manage Conflicts of Interest To ensure our advisers prioritise client interests: - We follow an advice process that ensures our recommendations are based on each client's goals and circumstances. - All advisers undergo annual training on managing conflicts of interest. - We maintain registers of conflicts of interest, gifts, and incentives. These are reviewed regularly. - We undertake an annual independent Compliance Assurance Review. --- ## Our Duties and Obligations to You We are bound by the duties of the Financial Markets Conduct Act to: - Meet the standards of competence, knowledge, and skill required by the Code of Conduct - Give priority to our clients' interests - Exercise care, diligence, and skill - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ## Our Internal Complaints Process If you have a problem or complaint, please tell us so we can try to fix it. **Complaints Manager:** Ankur Bajaj **Email:** [email protected] **Phone:** 02102354223 ### Complaints Handling Steps 1. Log all complaints in the Trail system. 2. Record the complaint details immediately. 3. If unresolved within 2 working days, issue a stage 4 acknowledgment. 4. Conduct an initial review and clarify the complaint details and desired resolution. 5. Contact the client if further information is needed. 6. Evaluate any harm or cost incurred and confirm with the client. 7. Provide a proposed resolution. A complaints register is maintained and updated as required. --- ## Our External Complaints Process If we cannot resolve your complaint, you can contact our external dispute resolution scheme. This service is free for clients. **Provider:** Financial Services Complaints Limited (FSCL) **Address:** Level 4, 101 Lambton Quay, Wellington 6011 **Phone:** 0800 347 257 **Email:** [email protected] --- ## Privacy Policy Details | Item | Information | |----------------------|-------------------------| | FAP Name | Reliable Financial Group | | FSP Number | 1003517 | | Privacy Officer Name | Ankur Bajaj | | Privacy Officer Email| [email protected] | ### Protecting and Storing Personal Information - All personal data is stored securely in Trail CRM. - Clients may request access or correction of personal information. - In case of a data breach, contact our Privacy Officer. --- ## Public Disclosure Controls **Disclosure is made at four key stages:** 1. **Public Disclosure:** Information on this website including licence, scope of advice, product providers, fees, conflicts of interest, and complaints process. 2. **When Scope of Advice is Known:** Adviser information, limitations, product coverage, payment structure, conflict management. 3. **When Advice is Given:** Client-specific recommendations, fees, commissions, and duties. 4. **When a Complaint is Made:** Clients informed of redress via approved dispute resolution scheme. **Ongoing Controls:** - Periodic review of client files to ensure disclosure compliance - Annual review of website and marketing material - Adviser training at induction and annually - Complaint handling process with escalation and documentation --- *Note: The disclosure refers to an **Adviser Specific Disclosure Statement** for full fee details. That document is not reproduced on this page but should be requested directly from Reliable Financial Group.*