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Entity: Rapson Loans & Finance Limited (FSP767832)
Source: Public Disclosure Statement per FMC Act 2013 s431
Version date: 2026-05-24
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> _Markdown transcription of Rapson Loans & Finance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://rapson.co.nz/important-information-about-us/._

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# Important Information About Us

**Rapson Loans & Finance Ltd**
FSP767832 | Suite 7, 30 Willow Street, Tauranga 3112, New Zealand
Phone: 07 577 1209 | Email: clients@rapson.co.nz | PO Box 348, Tauranga

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## Our Company

Rapson Loans & Finance (FSP767832, trading as Rapson Loans & Finance Ltd) is a Financial Advice Provider (FAP) with a Class 2 licence regulated by the Financial Markets Authority to provide financial advice.

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## Scope of Advice

We provide financial advice about Mortgages & Insurances provided by the following product providers:

### Bank Lenders

- AIA
- ANZ
- ASB
- Bank of China
- BNZ
- Heartland Bank
- KiwiBank
- SBS Bank
- The Co-Operative Bank
- TSB
- Westpac

### Non-Bank Lenders

- Abcom Finance
- Apricity
- ASAP Finance
- Avanti Finance
- Basecorp
- Better Finance
- Bizcap
- Bridging Finance Group
- Click Capital Loans
- Cressida Capital
- DBR Property Financiers
- Fico Finance
- First Mortgage Trust
- Finbase
- Fortis Capital
- FundTap
- Funding Partners – CFML loans
- General Finance
- Homesec
- Joint Equity
- Killarney Capital
- Liberty Financial
- Line Capital
- Marac Finance
- Merx Finance
- Metro Finance
- Midlands Funds
- NZMS
- NZCU
- Pepper Money
- Plus Finance
- Property Funding
- Prospa
- Omega Capital
- Oxford Finance
- Resimac
- Select Home Loans
- Select Asset
- Silver Harbour Capital
- SOS
- Southern Cross
- Southern Cross Partners
- Spiers Finance
- Summit Capital
- UDC
- Unity Credit Union (formerly The Credit Union)
- Xceda Finance
- Zagga

### Insurers

- AIA
- Chubb Life
- Fidelity Life
- NIB
- Partners Life

### Investments & KiwiSaver

- Booster
- Koura
- NZ Funds
- Generate

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## Our Fees and Costs

Rapson Loans & Finance Ltd can charge a fee for the financial advice that is provided to you. The fee charged will depend on the nature of the financial advice and service that we provide.

- Our advisers can charge on an hourly charge; or
- For lending, a percentage of the loan amount applied for.

The exact fees we will charge will be confirmed at the time the advice is provided. All of our fees are payable within 7 business days from the date you receive the Invoice.

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## Our Commissions

**Mortgages:** Rapson Loans & Finance Ltd receive a commission from the lenders through which we place business. The amount of the commission we receive depends on the amount and the type of the lending. Typically, we receive an upfront initial commission of between 0.50%–3% of the lending amount. Some lenders provide ongoing commission between 0.15%–0.20% of the outstanding principal while the loan is in force with them. We will provide more specific details of these commissions once we have talked to you and understand your needs.

**Insurances:** Rapson Loans & Finance Ltd are paid in the form of commission from the insurers through which we place business. The amount of the commission we receive depends on the Annual Premium. Typically we receive an upfront initial commission of between 140%–220% of the annual premium and an annual ongoing commission of between 5–10% for every year the policy is in force. We will provide more specific details of these commissions at the time our advice is given.

**KiwiSaver & Investments:** Rapson Loans & Finance Ltd are paid in the form of ongoing commission from the provider through which we place business. The amount of the commission we receive depends on the value of the investments we place with them and the fund the investment is put into. The range is between 0.20–1.05%. We will provide more specific details of these commissions at the time our advice is given.

**General Insurance Referral:** We refer our clients to Sweeny Townsend Insurance Brokers and Robert Huggins for all General Insurance Needs and in return, we receive a referral fee of 30% of the Total Commission paid to the Adviser on company premium only. For company premiums we receive:

- Material damage, assets, loss of profits – 20–24%
- Liabilities like builders' risk – 20%
- Commercial vehicles – 10–12% commission

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## Conflicts of Interest

To ensure our advisers prioritise our clients' interests:

- We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances.
- All our advisers undergo annual training about how to manage conflicts of interest.
- We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.

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## Disciplinary History

There has been no professional indemnity insurance or negligence claims, dispute resolution actions or disciplinary actions.

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## Complaints

If you are not satisfied with our service or financial advice, please tell us as soon as possible.

**Contact us:**
- Call: 07 577 1209
- Write to: PO Box 348, Tauranga 3110

**When we receive a complaint:**

- We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately.
- If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint.
- We aim to resolve complaints within 20 business days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response.
- We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.

### External Disputes Resolution Scheme

If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme:

**Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service**

FSCL has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction.

- Call: 0800 347 257
- Email: complaints@fscl.org.nz
- Write to: FSCL, PO Box 5967, Wellington

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## Our Duties and Obligations to You

Rapson Loans & Finance Ltd and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

- give priority to your interests;
- exercise care, diligence, and skill;
- meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services;
- meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

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## Contact Us

**Rapson Loans & Finance** (FSP767832, trading as Rapson Loans & Finance Ltd) is the Financial Advice Provider.

- Call: 07 577 1209
- Email: clients@rapson.co.nz
- Write to: PO Box 348, Tauranga

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*A downloadable PDF version of this disclosure ("Important Information About Us – August 2024") and the Privacy Policy are available on the Rapson website at [rapson.co.nz/important-information-about-us/](https://rapson.co.nz/important-information-about-us/).*