# Skyblue Finance Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-06 - **Source URL:** https://skybluefinance.co.nz/disclosure/ - **Source PDF SHA256:** `6d667e620a3c52023c1d3e312d72ed5d...` - **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/FSP1006897/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1006897/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1006897 > **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 & Complaints ## Disclosure Statement for Skyblue Finance Limited **Financial Advice Provider** **FSP Number:** FSP1006897 **NZBN:** 9429051909369 *This document was prepared on 30/04/2026.* It is important that you read this document. This information in this disclosure statement is important. It is intended to help you to find a financial advice provider that meets your needs. --- ## Licensing Information Skyblue Finance Limited Trading as Skyblue Finance (**FSP1006897**) holds a Full Financial Advice Provider licence Class 2 (FSP1006897) issued by the Financial Markets Authority (FMA) to provide financial advice services. General information is also provided to customers through our website, newsletters and other digital publications. FSP Register: [Financial Service Providers Register (companiesoffice.govt.nz)](https://fsp-register.companiesoffice.govt.nz/) We provide financial advice on Mortgage Products and Consumer Credit Contracts. --- ## Nature and Scope of Financial Services Skyblue Finance provides financial advice about mortgage and lending needs provided by the following product providers: ANZ, ASB, BNZ, Kiwibank, AIA Home Loan, Co-Operative Bank, SBS, Unity, Liberty, Resimac, Pepper Money, Avanti, ASAP Finance, Bizcap, Prospa, Gem Finance ### Types of financial products we can help you with: - Home loans (First Home Buyers) - Refinancing - Refix - Mortgage restructuring - Investment property loans - Business and Commercial loans - Construction and home improvement loans - Debt Consolidation ### Areas where we do NOT provide financial advice or services: - Personal insurance (e.g., life, health, trauma, income protection, or disability insurance) - Estate planning, including wills, enduring powers of attorney, or any type of trust - Investment products, such as shares, bonds, managed funds, or KiwiSaver - General insurance (e.g., house, contents, car, or travel insurance) If you require advice in any of these areas, we recommend contacting a licensed specialist or professional who can assist you appropriately. --- ## Commissions / Fees, Expenses, or Other Amounts Payable With most transactions there is no cost to you, the client, because we will receive commission/fee with one of these modes: - **Commission:** Some banks/lenders pay Upfront commission ranging from 0.2% to 0.9% depending on the bank. - **Service fee/Trail Commission:** Some banks/lenders pay trail commission from 0.1% to 0.4% per annum until the loan is paid in full. - **Refix remuneration** from lenders up to $200 may apply. - **Referral fee:** Anywhere from 0.5% to 30% from net commission. Our financial advisers may receive a proportion of these commissions. There are, however, a minority of product providers that may charge a brokerage fee to you, the client, and may pass some or all of this fee to Skyblue Finance Limited Trading as Skyblue Finance (FSP1006897). Our financial advisers may also negotiate and charge you, the client, a nominal fee for our services depending on the circumstances. Any fee required to be paid will also be disclosed to you in the Statement of Advice and Final Disclosure provided to you by our financial advisers. Exact remuneration will also be disclosed to you in our SOA or Disclosure 3. ### Clawback Recovery Fee If the loan is repaid within 27 months of settlement (the 'Clawback Period'), Skyblue Finance Limited may have some or all of the original upfront commission 'clawed back' by the provider. To ensure that Skyblue Finance Limited is fairly compensated for the services originally provided to you, we may seek to recover some or all of this cost from you via a clawback recovery fee. **Fee for our financial advice = $2,500 for 10 hours of work, calculated at an hourly rate of $250.** Examples of when we charge you a clawback fee include: - The property is refinanced within the clawback period and Skyblue Finance Limited was not given the opportunity to arrange the Refinance. - The property is sold, and the loan is repaid within the clawback period. ### Admin Fees – Change of Financial Adviser after Approval If a client changes their mind about using a particular financial adviser after receiving conditional approval, there is a charge of **$2,500**. This fee covers the time and effort expended by the broker, calculated at $250 per hour for 10 hours of work. ### Service/Brokerage Fees for Private Lenders/Non-Bank Lenders - When applying for a loan through a private or second-tier lender, the brokerage fee is typically **1% of the loan amount**. - There might be a possibility to reduce this fee for existing clients as a gesture of goodwill. - If a brokerage fee is charged, clawback fees will not be applicable. --- ## Conflict of Interest and Incentives Skyblue Finance Limited and our financial advisers receive commissions from lending product providers through whom we place business, and only when you take out a mortgage arranged by us. We may also receive commissions when we refer you to insurance, business finance, or KiwiSaver providers. The amount of commission received varies by provider and is generally calculated as a percentage of the lending amount, insurance premium, or KiwiSaver balance. More specific details of these commissions will be provided to you during our first meeting once we have a clear understanding of your goals. Commission details will also be disclosed again at the time the advice is given. We only receive commissions from providers whose products we recommend and provide financial advice on. To ensure that our financial advisers always prioritise our clients' interests, we follow a structured advice process that ensures all recommendations are based solely on each client's individual goals, needs, and circumstances. Our advisers also receive training on identifying, disclosing, and managing conflicts of interest. ### To manage and mitigate conflicts of interest, we: - Inform clients of any actual or potential conflicts of interest, even if those conflicts have not influenced our advice or recommendations. - Notify clients promptly if we become aware of a conflict of interest while providing financial advice. - Discuss the conflict of interest with the client, explain how it will be managed, and ensure the client continues to receive appropriate financial advice. - Proceed with the advice only after the client has provided written acceptance of our plan to manage the conflict and has confirmed they are comfortable continuing the engagement. - Record all identified conflicts of interest and the actions taken to manage them in our Conflicts Register. If we pay any referral fee to a person who recommended you to us, this will be disclosed to our clients in the Statement of Advice. Any such referral fee does not directly or indirectly influence our advice or recommendation process. ### Referral Fees We reward our clients who refer us business by way of Movie Vouchers, Restaurant Vouchers and Gift cards, when they refer their friends and family to us for their mortgage needs. We also pay and receive referral commissions from real estate agents who introduce clients looking to sell their homes to us, and for us introducing clients to them. Similarly, we work with property managers who refer clients to us, and we refer to them. Depending on the service required, these commissions range from **5% to 30% of the net commission**, varying by referral source. We provide full disclosure in writing to our clients regarding the nature, purpose, and amount of commission received from interested parties involved in the referral. --- ## Your Obligations Any advice or product implementation provided as a result of this needs analysis can only be as good as the information received from you, so we ask that you provide the information requested. Without relevant and correct information about your personal and financial situation we run the risk of giving advice that is not appropriate for your needs. If you are unsure as to why we need certain information, please ask so that we can explain. --- ## Dispute Resolution Process ### Internal Complaints Process If you are dissatisfied with our financial advice service, you can contact: **Ajaib Singh Maan (Director)** - Phone: +64 27 390 0007 - Email: [Skybluefinance@outlook.co.nz](mailto:Skybluefinance@outlook.co.nz) - Post: Unit E1, 197 Great South Road, Takanini, Auckland 2112 We will email you to confirm receipt of the complaint within **5 working days** of it being received. After reviewing the complaint, we will notify you in writing of our plan to address it. We will try to address your complaint within **10 working days**. If we are unable to resolve it within 10 working days, we will notify you that we require further time to review your complaint. ### External Complaints Process If we are unable to address your complaint, or if you are unhappy with the solution we propose, you can contact **Financial Services Complaints Limited (FSCL)**. FSCL offers a free, impartial dispute resolution service to assist with the investigation or resolution of complaints made against financial service providers that are participants in their scheme. - **Phone:** 0800 347 257 - **Email:** complaints@fscl.org.nz - **Post:** PO Box 5967, Wellington 6140 - **FSCL Membership Number:** 9202 --- ## Duties Information Skyblue Finance Limited and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice: - Give priority to the clients' interest. - Act with transparency. - Exercise care, diligence and skill and meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct. - Meet the standards of competence, knowledge and skill and the standards of ethical behaviour, conduct and client care set out in the Code of Professional Conduct for Financial Advice Providers. --- ## Contact Details **Email:** [Skybluefinance@outlook.co.nz](mailto:Skybluefinance@outlook.co.nz) **Phone:** +64 27 390 0007 **Address:** Unit E1, 197 Great South Road, Takanini, Auckland 2112 **Website:** www.skybluefinance.co.nz *A written copy of this information is available on request.*