> _Markdown transcription of Plaxo Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://plaxoltd.co.nz/important-information/disclosure/._ --- # Plaxo Mortgages Limited — Public Disclosure Statement --- ## Licensing Information **Plaxo Mortgages Limited** (FSP769518), authorised to provide financial advice under **Finsure New Zealand Limited's** Financial Advice Provider licence (FSP1005389), regulated by the Financial Markets Authority (FMA). --- ## Nature and Scope of Our Advice We only provide financial advice in relation to mortgages and personal loans from the following lenders. We source loans from a panel of lenders. The current lenders we can use include: - ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - Avanti Finance - Cressida Capital - DBR - KiwiBank - First Mortgage Trust - Heartland Bank - Liberty Financial Limited - Unity Credit Union - SBS Bank Select Home Loan - Southern Cross - The Co-operative Bank - Bank of China (New Zealand) Limited - China Construction Bank (New Zealand) Limited - Basecorp Finance - Zip Business - CFML - Xceda Finance - General Finance - Pallas Capital - Funding Partners --- ## Products We Can Help You With The types of financial advice products we can give advice on are: - Home Loans - Investment Loans - Refinance - Commercial Loans - Car Loans - Personal Loans - Business Loans - Equipment Loans - Construction Loans --- ## What Else We Can Offer We can help you with other services through our referral partners set out below: - SBS Wealth - Tower – F&G - Asset Finance --- ## Limitations of Our Advice We are unable to give you advice on the use of retirement funds to fund your home purchase. If you plan to use these funds as part of your purchase, we recommend that you seek advice from a Financial Adviser who specialises in investment planning. We also cannot offer legal or tax advice. It is important to understand your legal obligations when entering a proposed loan and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent legal and tax advice before you enter into any finance contract. --- ## Reliability History Neither our advisers nor we have been subject to any reliability events. A reliability event is something that might materially influence you in deciding whether to seek advice from us. As an example, it would include certain legal proceedings or if we had been discharged from bankruptcy in the last four years. --- ## Fees, Expenses and Other Amounts Payable We do not normally charge fees for the financial advice we provide. However, in certain circumstances, we may need to charge a fee for our time. This fee is based on **$250 + GST per hour**. Some examples of where this fee might be charged: - If through our advice you require a loan from a lender who does not pay us a commission; or - If there are complexities with your loan application such as credit impairments (like past defaults) or if the loan is more complex in nature. We will always disclose this to you and obtain your agreement in advance. If a fee is charged it will be payable within **30 days** from the date you receive the invoice. Other instances where a fee may be charged: - If you obtain a loan through our advice and cancel it within **28 months**, we will charge you a cancellation fee equivalent to the commission the lender requires us to pay back. An indication of the cancellation fee amount is included in our disclosure information at the time we provide the advice to you. - In the event you receive a loan approval through our advice and guidance, and subsequently decide to proceed with the services of another lender or adviser, a fee will be charged to compensate for our time and the lost opportunity to earn a commission on the loan we facilitated. This fee may be up to **$3,000**, reflecting the professional services rendered and the potential commission that would have been earned had you completed the loan process with our assistance. Any fees relating to the loan application will be set out in your lender's letter of offer and are paid directly to the lender. You will need to pay fees to other parties involved in finalising your loan. This may include lawyers, valuers, building inspectors, etc. --- ## Conflict of Interest and Commissions We are paid in the form of commission from the lender if you take out a loan following our advice. The amount of the commission paid depends on the lender and product selected. Typically, we receive an **upfront commission between 0.40% and 0.90%** of the loan amount and an **annual ongoing (trail) commission** for every year the loan is in place. We will provide specific details of this commission at the time our advice is given. To ensure we prioritise our clients' interests, we follow an advice process that ensures our recommendations are made appropriately, based on your individual goals and circumstances. We complete annual training on how to manage conflicts of interest and are subjected to periodic compliance reviews. --- ## Complaint Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Contact:** - **Name:** Yong Zhang - **Telephone:** [09 916 0116](tel:099160116) - **Email:** [York@plaxoltd.co.nz](mailto:York@plaxoltd.co.nz) - **Write to:** PO BOX 17163, Greenlane, Auckland, New Zealand **Our complaints process:** - When we receive a complaint, we will consider it 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 it within **2 business days**. We may contact you to get further information. - We aim to resolve complaints within **10 working days** of receiving them. If we need more time to investigate, we will let you know when you can expect 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, you can contact our external disputes resolution scheme: **Financial Services Complaints Ltd (FSCL)** FSCL provides a free and independent dispute resolution service that may help to resolve your complaint. - **Call:** [0800 347 257](tel:0800347257) - **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) - **Web:** [www.fscl.org.nz](http://www.fscl.org.nz) --- ## Duties Information Plaxo Mortgages 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. --- ## Contact Details **Plaxo Mortgages Limited** | FSP769518 Authorised under the licence of Finsure NZ Ltd | FSP1005389 - **Call:** [09 916 0116](tel:099160116) - **Email:** [info@plaxoltd.co.nz](mailto:info@plaxoltd.co.nz) - **Write to:** Level 1, 638 Great South Road, Greenlane, Auckland, New Zealand