Acnl Limited

Financial Services Provider

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Auckland

FSPR Registered

FSP Number: FSP767731

NZBN: 9429032364736

Team Size: 6 advisers

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About Acnl Limited

What is Acnl Limited?

Acnl Limited is a financial services provider, based in Auckland, with 5 years on the FSPR register, and 6 appointed advisers on file.

How is Acnl Limited regulated?

Acnl Limited is registered on the Financial Service Providers Register (FSPR)as FSP767731, with first registration in 2021. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Acnl Limited offer?

Acnl Limited's Public Disclosure Statement lists the following scope of advice: Home loans, Property development loans, Business & commercial loans, Risk insurance (personal term life, trauma, income protection, health insurance), No advice on existing whole of life or endowment products, No advice on financial products issued outside New Zealand. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

Fee structure: mixed
Commission: Yes
Dispute scheme: IFSO
Panel: 29 providers
Services: 4 named
FAQs: 4 answered
Linked docs: 1

Scope of advice

Home loans
Property development loans
Business & commercial loans
Risk insurance (personal term life, trauma, income protection, health insurance)
No advice on existing whole of life or endowment products
No advice on financial products issued outside New Zealand
No legal or tax advice

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

Unit 4, 12 Amera Place,Huntington Park,Auckland,2013,New Zealand

About Acnl Limited

Company profile coming soon

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Public Disclosure Statement

29 providers on panel

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

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

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): Home loans
Property development loans
Business & commercial loans
Risk insurance (personal term life, trauma, income protection, health insurance)
No advice on existing whole of life or endowment products
No advice on financial products issued outside New Zealand
No legal or tax advice
Specialties: Mortgages
Lending
Income Protection
Trauma Insurance
Health Insurance
Life Insurance
General Insurance
Tax Advice

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.
Ownership: ACNL Limited, trading as Top Mortgage, FSPR Number: 767731

Distribution panel

Product providers Acnl 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 · 24

ANZ +38
BNZ +36
ASB Bank +32
Avanti Finance +27
Southern Cross +25
Heartland Bank +24
SBS Bank +24
Cressida Capital +22
Kiwibank +22
DBR Property Finance +21
Prospa +21
Resimac +15
Bank of China +10
General Finance +10
Liberty Financial +8
China Construction Bank +7
Pallas Capital +7
Bizcap +5
Xceda +4
Westpac Bank +1
Finebase
Industrial and Commercial Bank of China
The Co-operative
Unity Pepper Money

Other products · 5

AIA +40
Partners Life +39
Chubb +17
Asteron Life +9
nib +5

Verbatim quotes from Acnl Limited's PDS (4 fields cited)

Fees

“Generally, you will not be charged any fees for the financial advice we provide to you. We are paid through commissions and other payments we receive from the lenders you obtain financing from. We may charge you a one-off fee in the following circumstances:”

Commission

“We are paid through commissions and other payments we receive from the lenders you obtain financing from.”

Conflicts of interest

“From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.”

Scope of advice

“The company offers a range of products including Home loan, Property Development loan, Business & Commercial loan, and Risk Insurance.”

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 Acnl 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.

Home loan
Advisory

Mortgage lending advice and arrangement for residential home loans sourced from a panel of lenders.

Fees: Generally commission-based; one-off fees may apply in specific circumstances such as no commission or clawback.

For: retail
Property Development loan
Advisory

Lending advice and arrangement for property development financing sourced from a panel of lenders.

Fees: Generally commission-based; one-off fees may apply in specific circumstances such as no commission or clawback.

For: retail
Business & Commercial loan
Advisory

Lending advice and arrangement for business and commercial financing sourced from a panel of lenders.

Fees: Generally commission-based; one-off fees may apply in specific circumstances such as no commission or clawback.

For: both
Risk Insurance
Advisory

Personal risk insurance advice covering term life, trauma, income protection, and health insurance products.

Fees: Generally commission-based; one-off fees may apply if no commission received or if clawback occurs within 24 months.

For: retail

FAQs from this firm's PDS

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

Will I be charged fees for financial advice?

“Generally, you will not be charged any fees for the financial advice we provide to you. We are paid through commissions and other payments we receive from the lenders you obtain financing from.”

What happens if a commission is clawed back?

“If you make certain changes to your loan within 28 months following drawdown, or to your insurance within 24 months following the commencement date, the lender or insurer can require us to repay the commission we received (up to 100% – called a "clawback"). If this occurs, we may charge you a one-off fee.”

What are the limitations on the advice Top Mortgage can provide?

“In providing you with financial advice, we will only consider existing personal term life, trauma, income protection, and health insurance policies (if any). We do not provide advice on existing whole of life or endowment products – you will need to consult a specialist for those products. We are unable to take into consideration or provide advice on financial products issued outside of New Zealand. We are unable to offer legal or tax advice and recommend you consult your solicitor or accountant for that type of advice.”

How does Top Mortgage manage conflicts of interest?

“To ensure that our financial advisers prioritise your interests above their own: - We follow an advice process that ensures our recommendations are made on the basis of your individual goals and circumstances; - All our financial advisers undergo annual training on how to manage conflicts of interest; - We maintain registers of conflicts of interests, and the gifts and incentives we receive; - Top Mortgage monitors these registers and provides additional training where necessary; - We perform an annual review of our compliance programme.”

Additional disclosure documents

Documents linked from Acnl 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.

Financial Markets Authority website · Other disclosure

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.