Andco Mortgages Limited

Financial Services Provider

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Porirua

FSPR Registered

FSP Number: FSP1000855

NZBN: 9429049327533

Team Size: 3 advisers

Verify on FSPR

About Andco Mortgages Limited

What is Andco Mortgages Limited?

Andco Mortgages Limited is a financial services provider, based in Porirua, with 5 years on the FSPR register, and 3 appointed advisers on file.

How is Andco Mortgages Limited regulated?

Andco Mortgages Limited is registered on the Financial Service Providers Register (FSPR)as FSP1000855, with first registration in 2021. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Andco Mortgages Limited offer?

Andco Mortgages Limited's Public Disclosure Statement lists the following scope of advice: Mortgages, Life insurance, Health insurance, Trauma insurance, Income protection insurance, KiwiSaver (general and personalised advice). Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

Fee structure: mixed
Commission: Yes
Dispute scheme: FSCL
Panel: 9 providers
Services: 4 named
FAQs: 2 answered

Scope of advice

Mortgages
Life insurance
Health insurance
Trauma insurance
Income protection insurance
KiwiSaver (general and personalised advice)
Investments
Retirement planning

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

7 Mana Esplanade,Paremata,Porirua,5026,New Zealand

About Andco Mortgages Limited

Company profile coming soon

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Public Disclosure Statement

9 providers on panel

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

→ View Andco Mortgages 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): Mortgages
Life insurance
Health insurance
Trauma insurance
Income protection insurance
KiwiSaver (general and personalised advice)
Investments
Retirement planning
Specialties: Mortgages
Life Insurance
General Insurance
Health Insurance
Kiwisaver
Investments
Retirement Planning
Income Protection
Trauma Insurance

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 Andco Mortgages 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 · 2

Various major banks
Second tier lending companies

KiwiSaver · 4

ANZ Investments +2
Funds Administration New Zealand
Booster Investment Management
Nikko Asset Management

Life & Health Insurance · 1

Major insurance companies in New Zealand

Investments & Funds · 2

Select Wealth Management +2
Synergy Investment Programme

Verbatim quotes from Andco Mortgages Limited's PDS (6 fields cited)

Fees

“If Nikko Asset Management is used as the KiwiSaver provider, a fee will be charged by the Company which is 0.25% per annum of the funds under management paid monthly in arrears.”

Commission

“The Company and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, banks and KiwiSaver providers). If you decide to take out insurance or a mortgage, or take our KiwiSaver advice, the provider will pay a commission to the Company and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage, or the KiwiSaver balance.”

Product panel

“**Mortgages:** We work with various major banks and other second tier lending companies. - **Life insurance and health insurance:** We work with the major insurance companies in New Zealand. - **KiwiSaver:** We work with four providers which includes Funds Administration New Zealand, ANZ Investments, Booster Investment Management and Nikko Asset Management. - **Investments:** We use Synergy Investment Programme, Select Wealth Management and Nikko Asset Management.”

Conflicts of interest

“Currently there are no conflicts of interest as it relates to the services provided by the Company.”

Scope of advice

“The Company offers a range of products including mortgages, investment and retirement planning and personal insurances.”

Dispute resolution

“Financial Services Complaints Limited (FSCL)”

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 Andco Mortgages 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.

Mortgages
Advisory

Financial advice on mortgage products from various major banks and second tier lending companies.

Fees: Commission paid by the provider based on the amount of the mortgage.

For: retail
Life insurance and health insurance
Advisory

Advice on term life, trauma, income protection and health insurance from major NZ insurers. No advice on whole of life or endowment products.

Fees: Commission paid by the insurer based on the amount of the premium.

For: retail
KiwiSaver
Advisory

General or personalised KiwiSaver advice across four providers including FANZ, ANZ, Booster and Nikko Asset Management.

Fees: Commission up to 0.50% p.a. of FUM paid monthly; sign-on commission up to $50. Nikko: 0.25% p.a. fee charged by Company.

For: retail
Investments

Investment advice using Synergy Investment Programme, Select Wealth Management and Nikko Asset Management.

Fees: Not specified in disclosure statement.

For: retail

FAQs from this firm's PDS

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

Are there any conflicts of interest with the advice provided?

“Currently there are no conflicts of interest as it relates to the services provided by the Company. The Company and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, banks and KiwiSaver providers). If you decide to take out insurance or a mortgage, or take our KiwiSaver advice, the provider will pay a commission to the Company and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage, or the KiwiSaver balance.”

What duties do AndCo Mortgages and its advisers have under the FMC Act?

“Under the Financial Markets Conduct Act 2013 the Company and its advisers are required to meet certain duties such as: 1. Ensuring that they meet the standards of competence, knowledge and skill as set out in the Code of Professional Conduct for Financial Advice Services; and 2. Give priority to client's best interest; and 3. Exercise care, diligence, and skill in giving financial advice; and 4. Meet the standards of ethical behaviour, conduct and client care set out in the code of conduct.”

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.