Commission-only financial advisers in NZ
Advice paid for entirely by commissions from product providers (typically insurers or banks). The client pays no fee directly. The adviser's revenue is tied to which product the client takes up — disclosed under FMC Act 2013 s431.
106 of 349 Financial Advice Providers with a Public Disclosure Statement on file at FA-NZ disclose this fee model. Data as of 2026-09-04.
Dispute-resolution schemes in this list
Each scheme is linked once here rather than on every row below — the row repetition added ~120 duplicate internal links to this page (TASKS #88).
Providers
- Abacus Group LimitedView PDS HTML →FSP 93921 DRS: IFSO 13 providers on panel Receives commission
- Abraham & Associates LimitedView PDS HTML →FSP 144464 DRS: IFSO 1 provider on panel Receives commission
“We do not charge a service margin for the advice given to you but may charge a service margin for implementing that advice. This service margin will be based on a percentage of the insurer premium to provide and implement our advice to you, payable on payment of your premium.” — Abraham & Associates Limited's PDS dated 2026-05-24
- Accord Insurance Brokers LimitedView PDS PDF →FSP 762693 DRS: FSCL 10 providers on panel Receives commission
“Accord Brokers does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Accord Insurance Brokers Limited's PDS dated 2026-05-18
- Ail Of New Zealand LimitedView PDS PDF →FSP 166864 DRS: FSCL 1 provider on panel Receives commission
- Allcover Financial LimitedView PDS PDF →FSP 557607 DRS: FSCL 12 providers on panel Receives commission
“Allcover Financial Limited does not charge fees, expenses or any other amount for the financial advice provided to its clients.” — Allcover Financial Limited's PDS dated 2026-05-18
- Alliance Nz Insurance And Financial Services LimitedView PDS HTML →FSP 597949 DRS: IFSO 15 providers on panel Receives commission
- Apex Advice Group LimitedView PDS HTML →FSP 44869 DRS: IFSO Receives commission
“We do not usually charge our customers for the advice we provide (the product provider normally pays for it). However, in some circumstances you may be charged a fee for acting on our advice. Whether a fee will be charged and the way it will be charged will be explained to you by your adviser before any fees are incur…” — Apex Advice Group Limited's PDS dated 2026-05-24
- Ascend Financial Services LimitedView PDS HTML →FSP 1001680 DRS: FSCL 41 providers on panel Receives commission
- Backbone Nz (2018) LimitedView PDS HTML →FSP 648469 DRS: FDRS 46 providers on panel Receives commission
“Generally, we do not charge you a fee for our services. This is because our advisers are usually remunerated by way of commission by the providers of loan or insurance products we recommend. However, there are some situations where fees may apply:” — Backbone Nz (2018) Limited's PDS dated 2026-05-24
- Bayleys Real Estate LimitedView PDS PDF →FSP 773133 DRS: FSCL 1 provider on panel Receives commission
- Certainty Financial Advisers Network LimitedView PDS HTML →FSP 677951 DRS: IFSO 6 providers on panel Receives commission
“Advisers under the Certainty Financial Advisers Network Limited do not charge fees, expenses or any other amount for the financial advice provided to its clients provided the cover stays in force for at least 2 years.” — Certainty Financial Advisers Network Limited's PDS dated 2026-05-24
- Clemence LimitedView PDS HTML →FSP 758931 DRS: FSCL 54 providers on panel Receives commission
“Resure does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Clemence Limited's PDS dated 2026-05-24
- Coversure Financial Services LimitedView PDS PDF →FSP 722232 DRS: IFSO 6 providers on panel Receives commission
“Coversure Financial Services does not charge you for any fees relating to any financial advice provided.” — Coversure Financial Services Limited's PDS dated 2026-05-23
- Craig Smith Business Services LimitedView PDS HTML →FSP 712931 DRS: FDRS 12 providers on panel Receives commission
- Dormfin - Dormehl Financial Services LimitedView PDS HTML →FSP 1004306 DRS: FDRS 11 providers on panel Receives commission
- Driva New Zealand LimitedView PDS HTML →FSP 1006411 DRS: FSCL 14 providers on panel Receives commission
“If you proceed with this, you will need to pay the premium to DPL Insurance when this amount is payable. This amount will be based on a number of factors including the extent of the coverage, the length of time it covers, and your excess.” — Driva New Zealand Limited's PDS dated 2026-05-24
- Enva Financial LimitedView PDS HTML →FSP 1006848 DRS: FDRS 10 providers on panel Receives commission
“Enva Financial Limited does not charge any upfront fees for our risk advice services. To ensure advice remains accessible, Enva and/or directly related companies are paid a commission by the provider of any product you put in place on the back of our recommendation. If the full commission is not received from a provi…” — Enva Financial Limited's PDS dated 2026-05-24
- Enva Mortgages LimitedView PDS HTML →FSP 1006977 DRS: FDRS 15 providers on panel Receives commission
“In place of an upfront fee, Enva Mortgages Limited and/or directly related companies are paid a commission by the providers for arranging the lending on your behalf.” — Enva Mortgages Limited's PDS dated 2026-05-24
- Eric James And Associates LimitedView PDS HTML →FSP 158904 DRS: FSCL 7 providers on panel Receives commission
“Eric James & Associates' services are at no cost to you.” — Eric James And Associates Limited's PDS dated 2026-05-24
- Ew Group LimitedView PDS HTML →FSP 1010052 DRS: IFSO Receives commission
- Finance Link Auckland LimitedView PDS HTML →FSP 1005057 19 providers on panel Receives commission
- Financial Gurus 2020 LimitedView PDS HTML →FSP 720851 DRS: FSCL 28 providers on panel Receives commission
“Generally, we do not charge clients fees, expenses, or any other amount for the financial advice services we provide. There may be certain situations where a fee will be charged, such as working with a lender who does not pay us a commission. If this applies to your situation, it will be disclosed to you in advance.” — Financial Gurus 2020 Limited's PDS dated 2026-05-24
- First Rate Mortgages LimitedView PDS HTML →FSP 271665 DRS: FSCL 1 provider on panel Receives commission
“We do not charge any upfront fees, expenses or any other amounts for the initial financial advice given to you. If you then choose to use our services to arrange finance we will then disclose any lender fees, brokerage fees, or other lending related costs that may be applicable. These can vary depending on which lende…” — First Rate Mortgages Limited's PDS dated 2026-05-24
- Fj Finance LimitedView PDS HTML →FSP 1000547 DRS: FDRS 23 providers on panel Receives commission
- Float Financial Advisors LimitedView PDS HTML →FSP 545907 DRS: FSCL 39 providers on panel Receives commission
“As a general rule Float does not charge for mortgage and insurance advice as we receive product provider commissions. Occasionally, we may work with lenders who don't pay a commission to Float. In this scenario, we may charge a one-off fee for any work we do on your behalf. We would discuss this with you beforehand and…” — Float Financial Advisors Limited's PDS dated 2026-05-24
- Ginkgo Financial Services LimitedView PDS PDF →FSP 719251 DRS: FDRS 30 providers on panel Receives commission
- Global Financial Services LimitedView PDS HTML →FSP 17341 DRS: FSCL 33 providers on panel Receives commission
“We do not typically charge our clients any fees, expenses or other amounts for the financial advice and other services we provide. Instead, our services are paid for through the commissions and other payments we receive from the lenders we assist you to obtain financing from, and from the insurers whose policies we hel…” — Global Financial Services Limited's PDS dated 2026-05-24
- Gm Financial Advisors LimitedView PDS HTML →FSP 1007170 DRS: FSCL 25 providers on panel Receives commission
- Guardian Insurance LimitedView PDS HTML →FSP 1009528 DRS: IFSO Receives commission
“Generally you won't be charged any fees for the financial advice we provide to you. This is possible because, on issuance of an insurance policy, the insurer usually pays commission to us. Any exceptions to this general position are explained below. If these exceptions will apply to you, we will let you know.” — Guardian Insurance Limited's PDS dated 2026-05-24
- Guardian Smith LimitedView PDS HTML →FSP 1002543 DRS: FSCL 31 providers on panel Receives commission
“Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake. However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware…” — Guardian Smith Limited's PDS dated 2026-05-24
- H&c Financial Services LimitedView PDS HTML →FSP 1000923 DRS: FSCL 3 providers on panel Receives commission
“In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up…” — H&c Financial Services Limited's PDS dated 2026-05-24
- Haven Financial Advisers LimitedView PDS HTML →FSP 758111 DRS: FDRS 31 providers on panel Receives commission
“Haven does not charge any upfront fees for risk advice services. Haven and/or directly related companies are paid **commission** by the provider of any product put in place on the back of a recommendation. If the full commission is not received from a provider, Haven may charge a **service fee**. This fee will always …” — Haven Financial Advisers Limited's PDS dated 2026-05-24
- Home Loan Finance LimitedView PDS PDF →FSP 752411 DRS: IFSO 17 providers on panel Receives commission
“Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above.” — Home Loan Finance Limited's PDS dated 2026-05-18
- I 'n' I Advise LimitedView PDS HTML →FSP 775117 7 providers on panel Receives commission
- Ifly Consulting LimitedView PDS HTML →FSP 574547 DRS: FSCL 25 providers on panel Receives commission
- Insurance Design Life LimitedView PDS PDF →FSP 1005605 DRS: FSCL Receives commission
- Insurance Design LimitedView PDS PDF →FSP 513086 DRS: FSCL Receives commission
“We are paid brokerage by the Insurers we do business with when we arrange your insurance. As a general rule, the brokerage we receive is a percentage of the Insurer's base premium and natural disaster premium. We may apply a service charge to your total premium to enable us to continue to deliver our high level of ser…” — Insurance Design Limited's PDS dated 2026-05-24
- Invicta Financial LimitedView PDS PDF →FSP 1003084 DRS: FSCL 15 providers on panel Receives commission
“We do not charge a fee for the financial advice that we provide. If you decide to take out any policies with us, Invicta Financial will receive a commission from the providers that we work with. The commissions we receive are paid by the product providers and do not increase the cost of the product for you.” — Invicta Financial Limited's PDS dated 2026-05-18
- Jj & J Financial Services LimitedView PDS HTML →FSP 711532 DRS: FSCL 19 providers on panel Receives commission
“Assured Life does not charge any fees, expenses or any other amount for any financial advice provided to our clients. If the financial adviser recommends any insurance policies for you, you will be informed of the costs of the policies.” — Jj & J Financial Services Limited's PDS dated 2026-05-24
- Kensington Castles LimitedView PDS HTML →FSP 476806 DRS: FSCL 39 providers on panel Receives commission
- Kilworths - Insurance & Investment LimitedView PDS HTML →FSP 730412 DRS: IFSO 10 providers on panel Receives commission
- Kingdom Financial Services LimitedView PDS HTML →FSP 728451 DRS: FDR 6 providers on panel Receives commission
- Kripa Financial Solutions LimitedView PDS HTML →FSP 771115 DRS: FSCL 48 providers on panel Receives commission
- Ksg LimitedView PDS HTML →FSP 706532 DRS: FDRS 4 providers on panel Receives commission
“Carrot does not expect to charge you for the advice we provide. However, if a fee is payable, we'll discuss this with you before we charge it and confirm it in a statement of advice before the work is performed.” — Ksg Limited's PDS dated 2026-05-24
- L Reardon LimitedView PDS HTML →FSP 728312 1 provider on panel Receives commission
“Our mortgage advisory service is **free for you** — we are paid by the banks and lenders, not by clients.” — L Reardon Limited's PDS dated 2026-05-24
- Legacy Life LimitedView PDS HTML →FSP 91561 DRS: FSCL 8 providers on panel Receives commission
- Lifedirect 2020 LimitedView PDS HTML →FSP 724353 DRS: FSCL 12 providers on panel Receives commission
“LifeDirect does not charge any fees for our service.” — Lifedirect 2020 Limited's PDS dated 2026-05-24
- Lift Capitals LimitedView PDS PDF →FSP 754351 DRS: IFSO 23 providers on panel Receives commission
“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. Any exceptions to this general position are explained below.” — Lift Capitals Limited's PDS dated 2026-05-18
- Loan Market Dunedin LimitedView PDS HTML →FSP 1005227 1 provider on panel Receives commission
“Our service is **free for clients**. ¹ > ¹ Loan Market advisers are generally paid a commission by the lender when a loan is settled.” — Loan Market Dunedin Limited's PDS dated 2026-05-24
- Marcroft Mortgages LimitedView PDS PDF →FSP 727591 DRS: FSCL Receives commission
“Generally the Adviser Business and its Financial Advisers won't charge you any fees for advice and transactional solutions. This is possible because, if you acquire a product following receipt of their advice, the Adviser Business or the Financial Adviser usually receives commission from the applicable product provider” — Marcroft Mortgages Limited's PDS dated 2026-05-24
- Maurice Trapp Group LimitedView PDS HTML →FSP 107344 16 providers on panel Receives commission
“We are remunerated by a percentage of commissions or fixed fee from Insurance and KiwiSaver Providers. We also receive a percentage of trail commissions earned on renewed Risk policies and fixed fee on KiwiSaver.” — Maurice Trapp Group Limited's PDS dated 2026-05-24
- Maurice Woodham LimitedView PDS HTML →FSP 112724 1 provider on panel Receives commission
- Maxicare Financial Services LimitedView PDS PDF →FSP 760331 DRS: FDRS 16 providers on panel Receives commission
“Maxicare Financial Services Limited typically do not charge a fee for the financial advice and assistance when there is reasonable scope to earn a commission. Maxicare Financial Services Ltd may charge a fee for the financial advice provided to a client where a client cancels an insurance policy within two years of in…” — Maxicare Financial Services Limited's PDS dated 2026-05-18
- Megan Ward Consultancy LimitedView PDS HTML →FSP 778693 DRS: FSCL 22 providers on panel Receives commission
“We do not charge any fees, expenses or any other amounts for financial advice given to you. If the financial adviser recommends any products for you that do incur a fee (e.g. personal loan, Investment), you will be informed of the costs.” — Megan Ward Consultancy Limited's PDS dated 2026-05-24
- Moneybox Gi LimitedView PDS PDF →FSP 738191 DRS: FSCL Receives commission
- Morgan Steel Financial Services LimitedView PDS HTML →FSP 431746 DRS: FSCL 54 providers on panel Receives commission
- Mortgage Bliss LimitedView PDS HTML →FSP 1003885 DRS: FSCL 1 provider on panel Receives commission
“The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable.” — Mortgage Bliss Limited's PDS dated 2026-05-24
- Mortgage First New Zealand LimitedView PDS HTML →FSP 773712 DRS: FSCL 24 providers on panel Receives commission
- Mortgage Planners LimitedView PDS PDF →FSP 726391 DRS: FSCL 20 providers on panel Receives commission
“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.” — Mortgage Planners Limited's PDS dated 2026-05-18
- Ms Financial Service LimitedView PDS HTML →FSP 531246 DRS: IFSO 12 providers on panel Receives commission
- National Capital LimitedView PDS HTML →FSP 771555 DRS: IFSO 12 providers on panel Receives commission
- National Credit Insurance (brokers) Nz LimitedView PDS HTML →FSP 6361 DRS: FSCL 1 provider on panel Receives commission
“We do not charge fees to you for our advice. We will receive a commission from the insurance provider when you take out a policy and when you renew your policy each year. We will provide details of these commissions (including any broker servicing fee) when we make recommendations to you.” — National Credit Insurance (brokers) Nz Limited's PDS dated 2026-05-24
- New Zealand Advice Group LimitedView PDS HTML →FSP 331706 DRS: IFSO 1 provider on panel Receives commission
- New Zealand Home Loans (canterbury Metro) LimitedView PDS HTML →FSP 136604 DRS: FSCL 8 providers on panel Receives commission
- New Zealand Home Loans (cbc) LimitedView PDS HTML →FSP 118684 DRS: FSCL 8 providers on panel Receives commission
- New Zealand Home Loans (whangarei 2011) LimitedView PDS HTML →FSP 170308 DRS: FSCL 8 providers on panel Receives commission
- New Zealand Home Loans Mana LimitedView PDS HTML →FSP 108952 DRS: FSCL 8 providers on panel Receives commission
- Nz Home Loans (whangarei South) LimitedView PDS HTML →FSP 480627 DRS: FSCL 8 providers on panel Receives commission
“We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products.” — Nz Home Loans (whangarei South) Limited's PDS dated 2026-05-24
- Nzhl (christchurch) LimitedView PDS HTML →FSP 120561 DRS: FSCL 8 providers on panel Receives commission
- Nzhl Christchurch East LimitedView PDS HTML →FSP 685031 DRS: FSCL 8 providers on panel Receives commission
- Nzsure LimitedView PDS HTML →FSP 615209 DRS: IFSO 8 providers on panel Receives commission
- Ofs Insurance Brokers LimitedView PDS HTML →FSP 34627 DRS: FSCL Receives commission
- Opes Mortgages LimitedView PDS PDF →FSP 745811 DRS: FSCL 27 providers on panel Receives commission
- Paramount Partnership LimitedView PDS HTML →FSP 1005509 DRS: FSCL 7 providers on panel Receives commission
- Parka Insurances LimitedView PDS PDF →FSP 601909 DRS: FDRS 9 providers on panel Receives commission
“Parka Insurances may charge a fee for the financial advice provided to a client in the following circumstances: - Where a client cancels a life, income, mortgage, trauma or health insurance policy within two years of starting the policy. Whether we charge a fee and how it will be charged will be advised when we provide…” — Parka Insurances Limited's PDS dated 2026-05-20
- Penguin Financial Services LimitedView PDS HTML →FSP 710951 DRS: IFSO 22 providers on panel Receives commission
- Personalised Mortgages LimitedView PDS HTML →FSP 765691 3 providers on panel Receives commission
- Policywise LimitedView PDS PDF →FSP 715811 8 providers on panel Receives commission
“For Life, Disability and Health insurance, Policywise and the financial adviser receive a fee which is a financial remuneration based on the percentage of the amount of premium from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a fee to Policywise.” — Policywise Limited's PDS dated 2026-05-23
- Preferential LimitedView PDS PDF →FSP 745555 DRS: IFSO 6 providers on panel Receives commission
- Priority Loans LimitedView PDS PDF →FSP 754771 DRS: FSCL 27 providers on panel Receives commission
- Protect Financial Services 2023 LimitedView PDS HTML →FSP 1005743 DRS: IFSO 24 providers on panel Receives commission
“Protect Financial Services 2023 Ltd may charge a fee for financial advice provided to a client if the client cancels an insurance policy within two years of inception. Whether a fee will be charged, and the amount of the fee will be advised when the advice is provided. This fee will be payable by the client by the 20th…” — Protect Financial Services 2023 Limited's PDS dated 2026-05-24
- Prudent Financial Services LimitedView PDS HTML →FSP 1003062 DRS: FDRS 5 providers on panel Receives commission
- Quantum Finance Auckland LimitedView PDS HTML →FSP 1003910 DRS: FSCL 37 providers on panel Receives commission
- R K Mortgages LimitedView PDS PDF →FSP 1003670 DRS: FSCL Receives commission
“Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above.” — R K Mortgages Limited's PDS dated 2026-05-18
- R&p Insurance LimitedView PDS HTML →FSP 1001975 DRS: FSCL 34 providers on panel Receives commission
- Reliable Mortgages LimitedView PDS HTML →FSP 1003517 DRS: FSCL 20 providers on panel Receives commission
- Rest Assured Financial Advisers LimitedView PDS HTML →FSP 726851 12 providers on panel Receives commission
- Smartlife Financial Solutions LimitedView PDS HTML →FSP 691751 DRS: FSCL 27 providers on panel Receives commission
“Generally, we will not charge you a fee or expenses for any financial advice we provide you. This is because we are paid by the lenders/insurers/KiwiSaver providers in the form of commission. The commission we receive from the product provider is not charged on top of their normal service or loan/insurance policy charg…” — Smartlife Financial Solutions Limited's PDS dated 2026-05-24
- Sp Brokers LimitedView PDS HTML →FSP 585228 DRS: FSCL 7 providers on panel Receives commission
“We do not charge any fees, expenses, or other amounts for insurance advice. We receive a commission from the relevant insurance company if you take out an insurance policy following our advice. This commission is generally upfront in nature and may also include a trail commission.” — Sp Brokers Limited's PDS dated 2026-05-24
- Spratt Financial Services 2004 LimitedView PDS PDF →FSP 81241 DRS: IFSO 8 providers on panel Receives commission
“Spratt Financial Services does not charge fees, expenses or any other amount for the financial advice provided to its clients.” — Spratt Financial Services 2004 Limited's PDS dated 2026-05-18
- Springhall Brokers LimitedView PDS PDF →FSP 725312 DRS: FDRS 33 providers on panel Receives commission
“Canopy Group Ltd does not charge fees, expenses or any other amount for the financial advice provided to its clients for Insurance, general KiwiSaver advice or standard bank finance. In certain cases, a fee may be charged for non-standard lending services or if a loan is repaid or refinance within the first two years a…” — Springhall Brokers Limited's PDS dated 2026-05-18
- Stewart&lord LimitedView PDS HTML →FSP 666631 DRS: FSCL 1 provider on panel Receives commission
“Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a home loan or insurance policy, we usually receive commission from the applicable product provider as described above.” — Stewart&lord Limited's PDS dated 2026-05-24
- Story Financial Group LimitedView PDS HTML →FSP 763571 DRS: FDRS 14 providers on panel Receives commission
- The Advisers LimitedView PDS HTML →FSP 445087 DRS: IFSO 1 provider on panel Receives commission
“For all transactions we provide a remuneration disclosure at the time of providing advice if our remuneration is known, and this may also include an administration fee which we will disclose to you.” — The Advisers Limited's PDS dated 2026-05-24
- The Best LimitedView PDS PDF →FSP 724451 DRS: FSCL 29 providers on panel Receives commission
“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 for you. Where a fee will be payable for the advice, your Best Mortgages adviser will agree the amount of the fee with you *pr…” — The Best Limited's PDS dated 2026-05-18
- The Loanary LimitedView PDS HTML →FSP 1000973 DRS: FSCL 18 providers on panel Receives commission
- The New Zealand Home Loan Company LimitedView PDS HTML →FSP 30301 DRS: FSCL 8 providers on panel Receives commission
- Thrive Financial LimitedView PDS HTML →FSP 709791 DRS: FSCL 7 providers on panel Receives commission
- Tony Mounce Mortgages LimitedView PDS HTML →FSP 451986 42 providers on panel Receives commission
“Generally, we do not charge clients fees, expenses or any other amount for the financial advice services we provide. There may be certain situations where a fee will be charged, such as working with a lender who does not pay us commission. If this applies to your situation it will be disclosed to you in advance.” — Tony Mounce Mortgages Limited's PDS dated 2026-05-24
- Trebla Partners LimitedView PDS HTML →FSP 728251 DRS: FDRS 35 providers on panel Receives commission
- Trejays LimitedView PDS PDF →FSP 763031 DRS: FSCL 22 providers on panel Receives commission
- Vega Mortgages LimitedView PDS PDF →FSP 653431 DRS: FSCL Receives commission
“We **do not charge you a fee** for arranging finance.” — Vega Mortgages Limited's PDS dated 2026-05-18
- Vested LimitedView PDS HTML →FSP 1003118 DRS: FSCL 11 providers on panel Receives commission
“Vested does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Vested Limited's PDS dated 2026-05-24
- Visavis Financial LimitedView PDS PDF →FSP 509126 DRS: FSCL 45 providers on panel Receives commission
“As Financial Advisers, we are usually paid by the Provider that you choose to use. On some occasions we are not paid directly, and therefore may invoice you directly for our services. In these events, you will be notified in advance, and asked to confirm your acceptance of the fee(s) prior to our commencing work on you…” — Visavis Financial Limited's PDS dated 2026-05-23
- Youm LimitedView PDS HTML →FSP 69281 DRS: FSCL 25 providers on panel Receives commission
- Zenith Financial Group LimitedView PDS HTML →FSP 387967 DRS: FSCL 6 providers on panel Receives commission
Other fee structures
Methodology
Fee-structure classification is extracted by Claude Sonnet from each FAP's Public Disclosure Statement (FMC Act 2013 s431). Confidence tier C (LLM-extracted). For the authoritative wording, view the original disclosure linked next to each entry.
FA-NZ is a directory mirror, not a regulator. We do not provide financial advice. Always read a FAP's full disclosure before engaging.