# Mortgage Planners Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-18 - **Source URL:** http://www.mortgageplanners.co.nz/files/pdfs/disclosure-statement.pdf - **Source PDF SHA256:** `776e05f0a7e1bf72a4cd7a0872d77418...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** claude-haiku-4-5-20251001 - **Ingested:** 2026-05-18 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP726391/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP726391/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP726391 > **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 guide. Here is some key information you need to know to help you understand what type of advice I am able to give you, so that you can make an informed and confident choice when engaging me. ## Details about me and my Financial Advice Provider I am a Financial Adviser. I give advice on behalf of a Financial Advice Provider. My details are set out below. **Full Name:** Gavin Lendich **Address:** 3 Beaconsfield St Grey Lynn, Auckland 1021, New Zealand **Phone:** 021 611 830 **Email:** gavin@mortgageplanners.co.nz **FSPR Number:** 20923 **Name of Financial Advice Provider:** Mortgage Planners Limited **Trading as:** Mortgage Planners Limited **Address:** 3 Beaconsfield Street, Grey Lynn, Auckland, 1021, New Zealand **Phone:** 09 522 5027 **Email:** gavin@mortgageplanners.co.nz **Website:** http://www.mortgageplanners.co.nz/ My Financial Advice Provider is a member of NZ Financial Services Group Limited ## Licensing Information My Financial Advice Provider is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of: NZ Financial Services Group Limited **FSPR Number:** 286965 --- ## Nature and scope of advice The information below will help you understand what type of advice I can provide to you. ### Services I provide I will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders [set out below]. Once we have chosen a lender and loan terms that are suitable for you, I will help you to obtain an approval. ### Banks and lenders I use I source loans from a panel of lenders. The current lenders I can use are: - ANZ - ASB - Cressida Capital - Heartland Bank - RESIMAC - Southern Cross - Zip Business - Westpac - ASAP Finance Limited - DBR - Liberty Financial Limited - SBS Bank - The Co-operative Bank - CFML - BNZ - Avanti Finance - First Mortgage Trust - Unity - Select Home Loan - Basecorp Finance ### Products I can help you with The types of financial advice products I can give advice on are: - Home Loans - Investment Loans - Construction Loans ### What else I can offer I can help you with other services through my referral partners set out below: - Tower - F&G - XF Money - Asset Finance - UK Pension Transfers I am unable to offer legal or tax advice and recommend you consult your solicitor or accountant for this type of advice. --- ## Fees and expenses Generally I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender [which is explained in the commission section of this Disclosure Guide]. Any exceptions to this general position are explained below. If these exceptions will apply to you, I will let you know. ### One-off fees I may charge you a one-off fee if the following occurs: When I don't receive commission from the lender: If you request that I provide financial advice and I do not receive a commission from the lender, I may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my approved lenders. You will be invoiced for any one-off fee and will be given 30 days to make payment. ### Commissions & Incentives On settlement of a loan I usually receive a commission payment from the applicable lender. The commission is generally of an upfront commission payment but I may also receive an ongoing trail commission payment. The upfront commission is calculated as a percentage of the loan at drawdown. A trail commission is calculated as a percentage of the loan outstanding at the relevant time. I may also receive a fixed rate roll over fee from the applicable lender if I assist in refixing your loan. The maximum percentage that each lender uses to calculate upfront and trail commissions, and the maximum fixed rate roll over fees [refix fees], are set out in the table below. If there are any variations to these percentages or other commission payments that may apply, specific to your loan application, I will disclose this to you as part of my advice process. I may also receive a referral fee or commission payment if I refer you to our referral partners listed above. I will give you more information about how that referral fee or commission is calculated, before proceeding. From time to time, I may receive incentives or rewards from lenders. For example, they may provide me with gifts, tickets to events or other incentives. | Lender | Upfront | Trail | Refix | |--------|---------|-------|-------| | ANZ | 0.85% | 0.00% | $150.00 | | Westpac | 0.60% | 0.20% | $0.00 | | BNZ | 0.55% | 0.15% | $0.00 | | ASB | 0.85% | 0.00% | $150.00 | | ASAP Finance Limited | 0.80% | 0.00% | $0.00 | | Avanti Finance | 0.80% | 0.00% | $0.00 | | Cressida Capital | 1.00% | 0.00% | $0.00 | | DBR | 1.00% | 0.00% | $0.00 | | First Mortgage Trust | 1.00% | 0.00% | $0.00 | | Heartland Bank | 0.80% | 0.25% | $0.00 | | Liberty Financial Limited | 0.60% | 0.15% | $0.00 | | Unity | 0.50% | 0.00% | $0.00 | | RESIMAC | 0.60% | 0.15% | $0.00 | | SBS Bank | 0.80% | 0.00% | $150.00 | | Select Home Loan | 0.60% | 0.15% | $0.00 | | Southern Cross | 1.00% | 0.00% | $0.00 | | The Co-operative Bank | 0.70% | 0.00% | $150.00 | | Basecorp Finance | 1.00% | 0.00% | $0.00 | | Zip Business | 1.00% | 0.00% | $0.00 | | CFML | 1.00% | 0.00% | $0.00 | I manage the conflicts of interest arising from these commission payments by: - Following an advice process that ensures I understand your needs and goals so that I always recommend the best product for you regardless of the type and amount of commission I will receive. - Ensuring the amount of any loan is in accordance with your identified needs. - Providing you with the table below showing commission rates and types by lender - Undertaking regular training on how to manage conflicts of interest. --- ## Privacy policy & security I will collect personal information about you in accordance with my Privacy Policy. I regard client confidentiality as of paramount importance. I will not disclose any confidential information obtained from or about you to any other person, except in accordance with my Privacy Policy. The electronic platform I use to store your personal information is secure and run on Amazon Web Services. ## Complaints Process If you have a complaint about my financial advice or the service I gave you, you need to tell me about it. You can contact my internal complaints service by phoning, or emailing me using the heading Complaint - [Your Name]. Please set out the nature of your complaint, and the resolution you are seeking. I aim to acknowledge receipt of this within 24 hours. I will then record your complaint in our Complaints Register and will work with you to resolve your complaint. I may want to meet with you to better understand your issues. I aim to provide an answer to you within 7 working days of receiving your complaint. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is nothing and will assist us to resolve things with you. Details of this service are: Financial Services Complaints Limited complaints@fscl.org.nz 0800 347 257 ## My duties I am bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code). - Give priority to my client's interests - Exercise care, diligence, and skill. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code. ## Availability of Information This information can be provided in hardcopy upon your request.