> _Markdown transcription of The Mortgage Lab Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mortgagelab.co.nz/._ --- # Mortgage Lab NZ — Public Disclosure Statement ## About Mortgage Lab NZ Limited **Mortgage Lab NZ Limited** is a licensed Financial Advice Provider (FAP). - **FSP Number:** 587228 - **Office:** Level 2, 14 Jervois Road, Ponsonby, Auckland 1011 - **Phone:** 09 886 9779 - **Email:** info@mortgagelab.co.nz --- ## Scope of Advice / Services Offered We offer a range of financial services including: - Mortgages (home loans, investment property loans, construction loans) - Reverse mortgages - Personal consolidation loans - KiwiSaver advice - Insurance referrals Each adviser may specialise in different areas. Please check the individual adviser's profile for their specific services. --- ## Fees Almost all of our services are provided at no direct cost to you. We are paid by the lenders when your loan is settled. **Exceptions:** | Situation | Fee | |---|---| | Loan discharged within 27 months of settlement (clawback) | Capped at $2,500 | | Finance company loans (broker fee, disclosed upfront) | Disclosed before engagement | | Client decides not to proceed after significant work has been completed | $250/hour (capped at $3,000) | All fees are discussed and agreed upon before we start working together. --- ## Commission Disclosure We are paid a commission by the lender when your loan settles. This means our advice costs you nothing, yet we have access to the same rates as going directly to the bank. **Clawback:** If you refinance or discharge your loan within 27 months of settlement, the lender may clawback the commission they paid us. In this case, we may pass this cost on to you. The clawback fee is capped at $2,500 and will be clearly outlined in our disclosure statement before you engage our services. --- ## Product Panel / Approved Lenders We work with 27+ approved lenders across New Zealand: **Main Banks:** ANZ, ASB, BNZ, Kiwibank, Westpac, The Co-operative Bank, SBS Bank, TSB **Non-Bank Lenders:** Avanti Finance, Basecorp, Bluestone, DBR, First Mortgage Trust, Funding Partners, Liberty, Pepper Money, Resimac, Select, NZCU, and more. **Referral Partnerships:** XE.com, Reapify, Prospa, Rothbury Insurance, Maurice Trapp --- ## KiwiSaver Providers Our advisers can provide advice on the following KiwiSaver providers: - Generate - NZ Funds - Booster - ANZ OneAnswer - Koura - Milford --- ## Conflicts of Interest We take conflicts of interest seriously and manage them through: - Full disclosure of any payments or incentives we receive from lenders - Recommending products based on your needs, not commission rates - Recording any gifts or incentives received - Regular training on ethical practices Our advisers are required to prioritise your interests at all times. --- ## Duties and Obligations Under the Financial Markets Conduct Act (FMCA), we have the following duties: - Give priority to your interests - Exercise care, diligence, and skill - Meet standards of ethical behaviour - Meet standards of client care We also comply with the Code of Professional Conduct for Financial Advice Services. --- ## Dispute Resolution > **Note:** A specific dispute resolution scheme name and details were not stated on this page. The page references a disclosure statement which may contain full dispute resolution details — see linked sub-documents below. --- ## Ownership Disclosure > **Note:** Ownership/ultimate holding company details were not disclosed on this page. See linked sub-documents below. --- ## Professional Indemnity Insurance > **Note:** Professional indemnity insurer name and indemnity limit were not stated on this page. See linked sub-documents below. --- --- *Sub-documents referenced but not reproduced here:* - Individual adviser disclosure statements (linked from each adviser's profile page, e.g. `/cindy-huang`, `/jocelynnda-coronado`, `/michael-shrubsall`) - Full FAP Disclosure Statement (referenced within the site but not reproduced on this page)