> _Markdown transcription of The Capital Finance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://capitalfinance.nz/disclosure/._ --- # Disclosure & Transparency — Capital Finance > Capital Finance is a Financial Advice Provider operating under a license issued by the Financial Markets Authority. > **FSP Number:** FSP 1003833 > No conditions are imposed on the license concerning the advice that may be provided. --- ## Our Licences Capital Finance is a Financial Advice Provider operating under a licence issued by the Financial Markets Authority. Our name in relation to the licence is **Capital Finance (FSP: 1003833)**. No conditions are imposed on the licence concerning the advice that may be provided. --- ## Advice About Our Products Our business provides advice to our clients about **home loan products**. The advice we offer is limited to the products from the following providers: - ASB - Westpac - ANZ - BNZ - Co-operative Bank - Pepper Money - Resimac - Bluestone - Asap Finance - Avanti - Basecorp - Cressida Capital - DBR - First Mortgage Trust - Funding Partners CFML - Heartland Bank - Reverse Mortgages - Unity - Plus Finance - Prospa - Southern Cross Partners - Heartland Bank --- ## Commission Rates When a loan is settled, we typically earn a commission from the relevant product provider. This commission may be upfront or include a renewal or trail commission. Additionally, if we assist in refinancing your loan, we may receive a fixed-rate rollover fee from certain product providers. We use this commission to compensate the financial adviser who provides the advice and to cover the expenses of running our business, such as rent, staff costs, and IT resources. We also pay Capital Finance for the services they provide in connection with our authorisation under their licence from the Financial Markets Authority. To ensure that the receipt of commissions does not affect our advice, we prioritise your interests and recommend the best product for your needs, regardless of the commission type or amount. We achieve this by: - Ensuring our advisers follow an advice process that considers your needs and goals and that their recommendations meet them. - Providing regular training to our advisers on managing conflicts of interest. - Supplying you with a schedule showing commission amounts and types by product provider. This schedule is included in each Financial Adviser's personalised Disclosure Guide. Your Financial Adviser can provide more information about commissions during the advice process. --- ## Fees for Our Services Typically, we do **not** charge a fee for the advice and transactional solutions we provide. This is because we receive a commission from the relevant product provider upon settlement of a mortgage, as explained above. However, there are two exceptions to this general policy: We may charge a one-time fee in the following situations: **(a) No commission:** If you request services related to a product or service for which we do not receive a commission, we would provide you with a written estimate of the time required to provide the advice, and any fee would be agreed upon and authorised by you in writing before we proceed. This situation could occur if you request our services for a product offered by a provider with whom we are not accredited or for a product outside our usual arrangements with our product providers. **(b) Repayment of commission:** If a product or service provider requires us to repay the commission within **27 months** of settlement of your mortgage or issuance of your risk insurance policy, any fee we charge would: | Fee Parameter | Amount | |---|---| | Maximum fee | $2,500 (plus GST) | | Hourly rate | $250 (plus GST) per hour of the financial adviser's time | | Cap | Fee charged will not exceed the commission clawed back from the lender | If we need to charge a fee, we will invoice you and provide you with **30 days** to make payment. --- ## Conflicts of Interest Any conflicts of interest that may arise separately from the commission we collect that could influence our advice are disclosed in your Financial Adviser's **Disclosure Guide**. --- ## Submitting a Complaint Complaints about our service are welcomed. Please submit any issues regarding Capital Finance by: - **Phone:** [0800 626 685](tel:0800626685) - **Email:** [loans@capitalfinance.nz](mailto:loans@capitalfinance.nz) — use the subject heading **'Complaint'** Please describe your complaint in detail and propose a resolution. **Our complaints process:** 1. Within **24 hours** — we will acknowledge receipt of the email, document your official complaint in our register, and notify our Licence Holder. 2. We may request an in-person meeting to better understand your issue. 3. Within **7 days** of receiving your complaint — we will respond outlining our investigation (unless an in-person meeting has been requested). 4. If we need more time to investigate, we will notify you within 7 days of receiving the complaint. --- ## Service Details **Capital Finance Limited** **Phone:** [0800 626 685](tel:0800626685) **Email:** [loans@capitalfinance.nz](mailto:loans@capitalfinance.nz) --- ## Financial Markets Conduct Act 2013 All individuals providing advice within our organisation must adhere to and uphold the duties established in the **Financial Markets Conduct Act 2013**. These duties include: - Meeting the prescribed standards of competence, knowledge, and skill, as well as ethical behaviour, conduct, and client care outlined in the **Code of Professional Conduct for Financial Advice Providers**. - Prioritising your needs. - Exercising competence, precision, and expertise. --- *Note: The disclosure references each Financial Adviser's personalised **Disclosure Guide**, which contains additional detail on commission schedules and individual conflicts of interest. This sub-document is provided by your Financial Adviser during the advice process.*