# The Mortgage Centre Group Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-20 - **Source URL:** https://www.themortgagecentre.co.nz/tmc-public-disclosure - **Source PDF SHA256:** `7187ea1daae4155cd89a6475bf157f54...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-05-20 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP773516/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP773516/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP773516 > **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. --- # The Mortgage Centre Publicly Available Disclosure **The Mortgage Centre Group Limited** www.themortgagecentre.co.nz | 07-345 8001 This document sets out the information that The Mortgage Centre Group Limited is required to make publicly available in accordance with the Financial Markets Conduct Regulations. --- ## Overview of Our Business The Mortgage Centre Group Limited operates to provide mortgage advice, with branches in Hamilton and Auckland. Advisors who are individual contractors to The Mortgage Centre Group (Adviser Businesses) provide mortgage advice to their clients and trade under The Mortgage Centre brand. The Mortgage Centre Group Limited charges our individual contractors a fee for the services they receive from The Mortgage Centre Group Limited. - Adviser Businesses are Financial Advice Providers under the Financial Markets Conduct Act 2013 and each Adviser Business is required to be registered on the Financial Service Providers Register (FSPR). - Adviser Businesses engage Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by a particular Adviser Business. - The Financial Advisers you can search for on The Mortgage Centre website. We do not provide advice on insurances, but we use accredited insurance brokers locally that we give our clients a choice to use and have their insurances reviewed. We do get paid a referral fee on every successful referral and we do notify about this to our clients via our disclosure statements. --- ## Licensing Information The Mortgage Centre Group Limited and The Mortgage Centre Auckland Limited operate as Financial Advice Providers under a current licence issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. There are no conditions attached to this licence on the advice that may be given. --- ## Authorised Bodies Each Financial Advice Provider listed above is an Authorised Body under the NZ Financial Services Group licence. Financial Advisers that are able to give financial advice are linked to an Authorised Body. These can be viewed on the Financial Services Providers Register under The Mortgage Centre Group Limited or The Mortgage Centre Auckland Limited. --- ## Scope of this Publicly Available Disclosure This document sets out some information about The Mortgage Centre Adviser Businesses, as required by the Financial Markets Conduct Regulations 2013. The Adviser Businesses, including the Authorised Bodies, have their own Publicly Available Information Disclosures which set out: - Whether they are authorised under The Mortgage Centre Group licence or The Mortgage Centre Auckland licence. - The nature and scope of the financial advice service their Financial Advisers can offer. - Other key information about fees, commissions and complaints. You can locate their Publicly Available Information Disclosures on our website. The Financial Advisers have their own Disclosure Guides. These are not available on our websites but are provided on request and otherwise are provided by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. --- ## Financial Advice and Product Providers The Mortgage Centre Group or The Mortgage Centre Auckland does not provide financial advice directly to clients; however, the Financial Advisers provide clients with financial advice about lending products. The Adviser Disclosures: - Set out the specific products that they can provide financial advice on. - Set out the relevant product providers. --- ## Fees and Expenses Because The Mortgage Centre Group or The Mortgage Centre Auckland does not provide financial advice directly to clients, it does not charge fees and expenses to clients. Information about fees and expenses that might be payable by a client to an Adviser Business and/or a Financial Adviser in connection with receiving financial advice is set out in the Adviser Disclosures. --- ## Conflicts of Interest The Mortgage Centre Group or The Mortgage Centre Auckland is required to disclose any interests of The Mortgage Centre Group or The Mortgage Centre Auckland, of its Financial Advisers which a client may expect to materially influence the financial advice a client may receive from a Financial Adviser. --- ## Commissions & Incentives If or when a client is referred to an externally appointed insurance advisor by our Financial Adviser in relation to an insurance product and the insurance application is accepted, The Mortgage Centre Group or The Mortgage Centre Auckland may receive a commission payment from the applicable insurance advisor for the referral. Additionally, where a Financial Adviser refers a client to **Tower Insurance** for their Fire and General (House, Contents, Vehicle, Boat) insurance needs, or refers a client to **XE Money** for their other financial needs, The Mortgage Centre Group or The Mortgage Centre Auckland may receive a referral payment. Financial Advisers usually receive commission payments in connection with financial advice that they provide if a product is acquired following that financial advice. That commission payment may include an upfront payment, together with an ongoing renewal or trail payment. More information about those commissions, and any other incentives they may receive, is set out in the Adviser Disclosures. To ensure that Financial Advisers manage the potential conflict of interest raised by the commission payments, The Mortgage Centre Group or The Mortgage Centre Auckland: - Provides guidance and training on conflicts of interest. - Requires Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. - Requires Financial Advisers to provide, in their Disclosure Guide, a schedule showing commission rates and types by product provider. - Carries out regular assurance in relation to the advice provided by a Financial Adviser which assesses, amongst other matters, how conflicts of interest have been managed. --- ## Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you've received from a Financial Adviser, please lodge a complaint with them. Information about an Adviser Business's internal complaints service and their dispute resolution scheme can be found in the Adviser Disclosures. If you have a complaint that relates to The Mortgage Centre Group or The Mortgage Centre Auckland, or if you are unhappy with how a complaint against your Financial Adviser has been dealt with, you can contact The Mortgage Centre Group internal complaints service by emailing: **info@themortgagecentre.co.nz** (subject heading: Complaint – [Your Name]) Please set out the nature of your complaint, and the resolution you are seeking. We aim to acknowledge receipt within 24 hours. We will then record your complaint in our Complaints Register and investigate your complaint. We may want to meet with you to better understand your issues. We will investigate your complaint and aim to provide a response within **7 working days** of receiving your complaint. If we need more time to investigate, we'll 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, free of charge to you, and will assist us to resolve things with you. ### External Dispute Resolution Service **Financial Services Complaints Limited (FSCL)** Phone: 0800 347 257 Email: complaints@fscl.org.nz --- ## Our Duties Anyone giving financial advice under The Mortgage Centre Group or The Mortgage Centre Auckland licence from the FMA is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to clients' interests. - Exercise care, diligence, and skill. --- *Individual Adviser Businesses and Financial Advisers maintain their own Publicly Available Information Disclosures and Disclosure Guides. These are available on The Mortgage Centre website or on request from the relevant adviser.*