> _Markdown transcription of Nzhl Pukekohe Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/ --- ## Scope of Advice — Products and Services NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers: - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. **Home Loan Clawback:** We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. **Insurance Clawback:** We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commission Disclosures — How We Get Paid **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest - NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited, who are a home loan provider for NZHL. - NZHL owns NZHL Mortgage Advisory Limited, who you may be referred to by us, a Franchise, or a financial adviser. - NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link"), who you may be referred to by us, a Franchise, or a financial adviser. - The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure NZHL is owned by **Kiwi Group Capital Limited (KGC)**. KGC also owns Kiwibank Limited. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on the NZHL website at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at [email protected], or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider), who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. We will acknowledge your complaint within 2 working days. We may contact you to get further information. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required; however we will keep you updated throughout the process. 3. **External Dispute Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service: ### Financial Services Complaints Limited (FSCL) FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. | Contact Method | Details | |---|---| | Phone | 0800 347 257 | | Email | [email protected] | | Post | Financial Services Complaints Limited, PO Box 5967, Wellington 6140 | | Website | www.fscl.org.nz | --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice. - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice). - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice). --- *Note: Individual financial adviser disclosure statements are provided separately and list the specific products each adviser can advise on. See also https://nzhl.co.nz/find-us/ for Franchise contact details.*