{
  "fsp_number": "FSP1007045",
  "legal_name": "All Seasons Mortgage Limited",
  "slug": "all-seasons-mortgage-limited-fsp1007045",
  "profile_url": "https://financeadvisers.co.nz/provider/all-seasons-mortgage-limited-fsp1007045",
  "trading_names": [
    "All Seasons Mortgage Limited",
    "All Seasons Mortgage",
    "All Seasons Mortgage",
    "All Seasons Mortgage And Financial Group"
  ],
  "is_financial_advice_provider": true,
  "adviser_count": 11,
  "cities_operated": [
    "Papakura",
    "Pukekohe",
    "Auckland",
    "Pokeno",
    "Takanini",
    "Papamoa"
  ],
  "primary_city": "Papakura",
  "address": "6 Parkhaven Drive,Rosehill,Papakura,2113,New Zealand",
  "sector": "mortgage-brokers",
  "services": [
    "Financial advice service (including financial advisers) - Financial advice provider - licensee - full licence"
  ],
  "specialties": [
    {
      "name": "mortgages",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://allseasonsmortgage.co.nz",
      "classified_at": "2026-05-22T02:47:45.229+00:00"
    },
    {
      "name": "lending",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "https://allseasonsmortgage.co.nz",
      "classified_at": "2026-05-22T02:47:45.229+00:00"
    }
  ],
  "specialties_flat": [
    "mortgages",
    "lending"
  ],
  "license_type": "Licensed",
  "registration_date": "2024-04-10",
  "registration_status": "registered",
  "dispute_resolution_scheme": "Financial Services Complaints Limited",
  "dispute_resolution_number": "9205",
  "public_disclosure_statement": {
    "latest_version_date": "2026-09-04",
    "markdown_url": "https://financeadvisers.co.nz/api/provider/FSP1007045/disclosure.md",
    "filings_history_url": "https://financeadvisers.co.nz/api/provider/FSP1007045/filings.json",
    "pi_insurer": null,
    "pi_limit_nzd": null,
    "fee_structure": {
      "type": "mixed",
      "notes": "Mortgages: generally no fee unless complex requirements or provider does not pay commission. Insurance: no fee unless non-solicitation or early termination within clawback period. KiwiSaver: fee usually charged for advice. Exact fees disclosed before advice accepted.",
      "percentage_pa": null,
      "hourly_rate_nzd": null,
      "fixed_fee_nzd_typical": null
    },
    "product_panel": [
      {
        "provider": "ASB",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "ANZ",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "BNZ",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Kiwibank",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Westpac",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "TSB",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Southern Cross Partners",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Peppermoney",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "SBS",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Co-operative",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Avanti",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Bluestone",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Liberty Finance",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Basecorp",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Prospa",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Cressida",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "DBR",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Finbase",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "First Mortgage Trust",
        "product_types": [
          "Mortgage"
        ]
      },
      {
        "provider": "Milford",
        "product_types": [
          "KiwiSaver"
        ]
      },
      {
        "provider": "Generate",
        "product_types": [
          "KiwiSaver"
        ]
      },
      {
        "provider": "NZ Funds",
        "product_types": [
          "KiwiSaver"
        ]
      },
      {
        "provider": "Booster",
        "product_types": [
          "KiwiSaver"
        ]
      },
      {
        "provider": "AIA",
        "product_types": [
          "Insurance"
        ]
      },
      {
        "provider": "Partners Life",
        "product_types": [
          "Insurance"
        ]
      },
      {
        "provider": "Fidelity Life",
        "product_types": [
          "Insurance"
        ]
      },
      {
        "provider": "NIB",
        "product_types": [
          "Insurance"
        ]
      },
      {
        "provider": "CHUBB",
        "product_types": [
          "Insurance"
        ]
      }
    ],
    "conflicts_of_interest": [
      "Business relationships with product providers who may assist with funding for conferences and professional development training",
      "Referrals to other professionals for advice outside areas of expertise, which may generate commission for the introduction",
      "Blueprint advisers are paid a mix of salary and commission for the work they do"
    ],
    "complaints_12mo": null,
    "confidence_tier": "C",
    "extracted_via": "sonnet-html-v1",
    "ingested_at": "2026-09-04T04:12:22.411529+00:00"
  },
  "summary_url": "https://financeadvisers.co.nz/api/provider/FSP1007045/summary.md",
  "as_of": "2026-09-10",
  "provenance": {
    "source": "FSPR (Financial Service Providers Register) via FA-NZ mirror + PDS Part A corpus where available",
    "authoritative_register": "https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1007045",
    "pds_corpus_role": "FA-NZ archives + parses publicly-published FAP Public Disclosure Statements per FMC Act s431. We are a mirror, not the original publisher.",
    "refresh_cadence": "FSPR monthly snapshot; PDS quarterly re-check + Wayback diff",
    "methodology": "https://financeadvisers.co.nz/methodology",
    "schema_version": "2026-05-30",
    "specialties_source_cascade": "self-attest (1.00) > pds-v1 (0.90) > pds-inherit-v1 (0.85) > haiku-v1 (0.70); fspr-code fallback excluded",
    "specialties_schema_change_log": "v2026-05-30: `specialties` is now the structured array (name + source + confidence + source_url + classified_at); `specialties_flat` retained for callers expecting the prior string[] shape."
  },
  "notes": "This entity is a Financial Advice Provider (FAP) under FMC Act 2013. Authoritative source for current registration status: the FSPR register URL above."
}