Mortgagehq Limited

Financial Services Provider

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Auckland

FSPR Registered

FSP Number: FSP463846

NZBN: 9429041964569

Team Size: 14 advisers

Verify on FSPR

About Mortgagehq Limited

What is Mortgagehq Limited?

Mortgagehq Limited is a financial services provider, based in Auckland, with 10 years on the FSPR register, and 14 appointed advisers on file.

How is Mortgagehq Limited regulated?

Mortgagehq Limited is registered on the Financial Service Providers Register (FSPR)as FSP463846, with first registration in 2015. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Mortgagehq Limited offer?

Mortgagehq Limited's Public Disclosure Statement lists the following scope of advice: Residential lending solutions including loans from main banks and specialist/non-bank lenders, KiwiSaver advice on funds from a select group of providers. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Mortgagehq Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: FSCL
Panel: 40 providers
Services: 2 named
FAQs: 5 answered
Linked docs: 4

Scope of advice

Residential lending solutions including loans from main banks and specialist/non-bank lenders
KiwiSaver advice on funds from a select group of providers

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

Geneva House, Level 2, 3 Te Kehu Way,Mount Wellington,Auckland,1060,New Zealand

About Mortgagehq Limited

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Public Disclosure Statement

40 providers on panel

Mortgagehq Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Mortgagehq Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Residential lending solutions including loans from main banks and specialist/non-bank lenders
KiwiSaver advice on funds from a select group of providers
Specialties: Lending
Kiwisaver

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.

Distribution panel

Product providers Mortgagehq Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Lending & Mortgages · 34

ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
First Mortgage Trust +25
Kiwibank +21
Cressida Capital +21
Prospa +20
DBR Property Finance +20
ASAP Finance +17
Southern Cross Partners +15
Funding Partners +14
SBS Bank +11
TSB +10
Basecorp Finance +9
Bank of China +9
General Finance +9
Avanti Finance +8
ICBC +7
China Construction Bank +6
Pallas Capital +6
Liberty Financial +4
NZCU Baywide +4
Peppermoney +4
Vincent Capital +4
XE +4
Simplify +3
Strata Funding +3
The Co-operative Bank +1
Goldband Finance +1
The Lending People +1
Heartland Business
BizCap
XCEDA

KiwiSaver · 5

Booster +20
Generate +20
NZFunds +1
Kōura Wealth
Milford Funds

Other products · 1

AIA +39

Verbatim quotes from Mortgagehq Limited's PDS (7 fields cited)

Fees

“We generally do not charge a fee for our standard advice. However, a fee may apply if: - The lending is complex (e.g. commercial/business). - The loan involves non-CCCFA lenders that require a brokerage fee. - There is a request to extend pre-approval beyond the original 6-month period. You will be notified and required to accept any fees before we proceed.”

Commission

“Upfront:** Typically between 0.45% and 0.85% of the loan amount. - **Ongoing (trail):** Between 0.125% and 0.20% annually on the remaining loan balance.”

Product panel

“ANZ - ASB - Avanti - Basecorp - BNZ - Co-Operative Bank - Heartland Business - Kiwibank - Liberty Finance - NZCU Baywide - Peppermoney - Prospa - SBS - TSB - Westpac”

Conflicts of interest

“We receive commissions from lenders and KiwiSaver providers. To ensure transparency:”

Scope of advice

“We provide regulated financial advice on: - Residential lending solutions, including loans from New Zealand's main banks and a range of specialist/non-bank lenders. - KiwiSaver advice, offering recommendations on funds from a select group of providers.”

Dispute resolution

“mortgagehq is a member of FSCL, an approved independent dispute resolution scheme that handles complaints in the financial services industry, including financial advisers.”

Material relationships

“Referral Commissions:** If a mortgagehq Adviser refers a client to Suite Financial and the referral results in a completed engagement or placement of insurance business, mortgagehq **may receive a referral commission** from Suite Financial. - The referral commission is **20% of the commission earned by Suite Financial** on that business.”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Mortgagehq Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

Residential lending solutions
Advisory

Home loan advice covering main banks and specialist/non-bank lenders. Generally no fee for standard advice; fees may apply for complex cases.

Fees: Generally no fee; fees may apply for complex/non-bank lending. Upfront commission 0.45–0.85%; trail 0.125–0.20% p.a.

For: retail
KiwiSaver advice
Advisory

Recommendations on KiwiSaver funds from a select group of providers including Booster, Generate, Kōura Wealth, Milford Funds, and NZFunds.

Fees: May charge directly (provider-dependent); may also receive ongoing service commission of approx. 0.20–0.50% p.a. from provider.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Mortgagehq Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What financial advice does mortgagehq provide?

“We provide regulated financial advice on: - Residential lending solutions, including loans from New Zealand's main banks and a range of specialist/non-bank lenders. - KiwiSaver advice, offering recommendations on funds from a select group of providers.”

Does mortgagehq charge fees for home loan advice?

“We generally do not charge a fee for our standard advice. However, a fee may apply if: - The lending is complex (e.g. commercial/business). - The loan involves non-CCCFA lenders that require a brokerage fee. - There is a request to extend pre-approval beyond the original 6-month period. You will be notified and required to accept any fees before we proceed.”

What commissions does mortgagehq receive from KiwiSaver providers?

“We may receive: - An initial one-off commission when you join. - An ongoing service commission of approx. 0.20%–0.50% p.a. based on your KiwiSaver balance (varies by provider). We will confirm the actual commission structure relevant to your KiwiSaver before you make a decision.”

How are mortgagehq advisers remunerated?

“Our advisers are salaried employees. - They may qualify for performance bonuses based on: - Service quality - Compliance standards - Team performance (not just sales volume)”

How does mortgagehq protect your personal information?

“We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.”

Additional disclosure documents

Documents linked from Mortgagehq Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.