# Mortgage Allied Associates Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-01 - **Source URL:** https://www.mortgageallied.co.nz/public-disclosure/ - **Source PDF SHA256:** `d5dfbe24e0f7acad3213cba0c49d2489...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-06-01 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP708531/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP708531/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP708531 > **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. --- # Public Disclosure ## Contact Details **Email:** info@mortgageallied.co.nz **Phone:** 09 366 6666 **Address:** 52/691 Manukau Road, Royal Oak, Auckland --- ## Licence Status and Conditions We operate as a Financial Advice Provider under a licence issued and regulated by the Financial Markets Authority in the name of **Mortgage Allied Associates Limited (FSP708531)** T/A Mortgage Alliance. --- ## Nature and Scope of Financial Advice We provide financial advice in relation to: - Mortgages and personal lending - Business lending - Determining how much you can afford to borrow to purchase a property (within lenders' affordability guidelines) - Selecting an appropriate lender and mortgage structure - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending - KiwiSaver ### Lending Products We provide advice in relation to the following lending products: - Mortgages - Construction and Land Development - Assets (including vehicle) Finance - Personal Loans - Top up - Fixed rate rollovers - Debt consolidation - Business loans ### Investment Products We provide advice in relation to the following investment products: - KiwiSaver --- ## Product Providers Our Financial Advisers provide financial advice about products from the following providers: ### Lending Product Providers - ANZ - ASB - BNZ - Westpac - Kiwi Bank - Bank of China - ICBC - AIA - Heartland Bank - The Cooperative Bank - SBS - Pepper Money - First Mortgage Trust - DBR - Liberty - Bluestone - Avanti Finance - General Finance - Cressida Capital - Basecorp Finance - ASAP - XCEDA - Zagga - Southern Cross Partner > We might source funding from other providers if needed. ### KiwiSaver Providers - Generate KiwiSaver - NZ Funds --- ## Fees and Expenses ### Mortgage and Lending Planning Fee - We are usually remunerated by way of commission from the providers of the loan products we recommend. However, if we consider the case is complicated and takes more time than expected, we may also charge a fee. On occasion, some providers may not pay a commission; in this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval. Where a fee will be payable, our adviser will agree the amount with you *prior to obtaining a lending approval*. This fee can be added to your loan amount and will be paid at the time your loan is advanced. **Adviser fees are between 0.5% – 3% of the loan amount.** - Where our advisers have obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan, **a fee of up to $1,000** will be payable as remuneration for the time spent on getting an approval. This fee is payable within 7 days of you deciding not to proceed. ### Mortgage and Lending Service Fee - Should you proceed with a loan implementation after advice from our adviser, and then repay or refinance your loan within three years of your loan being advanced, without giving our adviser the opportunity to assist you with a refinance, we may charge **a fee of up to $2,500**. ### KiwiSaver Service Fee No fees are payable by you for KiwiSaver advice. However, we may charge a fee for financial advice provided to a client, or if the client cancels policy within two years of inception. Specific fee information will be advised when the advice is provided. --- ## Conflicts of Interest and Commissions or Other Incentives **For mortgages and lending**, we will receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to our financial adviser. The amount of the commission is based on the amount of the lending. The commissions are **between 0.55% and 1%** of the value of the mortgage — the amount depends on which lender and what type of mortgage you decide to put in place. In addition, we receive a **trail commission of between 0.15% and 0.2%** of the outstanding balance each year we remain as your adviser. Specific remuneration will be advised to you when advice is provided. From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances. Our advisers complete regular training relevant to their advice, which may include training on managing conflicts of interest, and have a regular review of advice process completed by the Financial Advice Provider. **For KiwiSaver**, we will receive commission from the KiwiSaver providers that we recommend. If you decide to implement a KiwiSaver scheme that we recommend, the KiwiSaver provider will pay a commission to us and/or the adviser who provides your advice. The commissions are **between $40 – $300** depending on the value of your KiwiSaver. In addition, we receive a **trail commission of between 0.15% and 0.25%** of the outstanding balance each year we remain as your adviser. Specific remuneration will be advised to you when advice is provided. --- ## Complaints and Dispute Resolution If you have a complaint about our services, please contact our internal complaints service: **Director** **Phone:** 09 366 6666 **Email:** info@mortgageallied.co.nz **Address:** 52/691 Manukau Road, Royal Oak, Auckland Please set out the nature of your complaint and the resolution you are seeking. We aim to acknowledge receipt within 24 hours. We will record your complaint in our Complaints Register and investigate. We may want to meet with you to better understand your issues. We will provide a response within **7 working days** of receiving your complaint. If we need more time, we will let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and free to you. **Financial Dispute Resolution Scheme** **Phone:** 0508 337 337 **Email:** enquiries@fdrs.org.nz --- ## Our Duties Our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct); - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; - Exercise the care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice.