Backbone Nz (2018) Limited

Financial Services Provider

★★★★★

4.8 Read 98 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Feilding

FSPR Registered

FSP Number: FSP648469

NZBN: 9429046933799

Team Size: 7 advisers

Verify on FSPR

About Backbone Nz (2018) Limited

What is Backbone Nz (2018) Limited?

Backbone Nz (2018) Limited is a financial services provider, based in Feilding, with 7 years on the FSPR register, and 7 appointed advisers on file.

How is Backbone Nz (2018) Limited regulated?

Backbone Nz (2018) Limited is registered on the Financial Service Providers Register (FSPR)as FSP648469, with first registration in 2019. Disputes are handled by Financial Dispute Resolution Scheme. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Backbone Nz (2018) Limited offer?

Backbone Nz (2018) Limited's Public Disclosure Statement lists the following scope of advice: Personal insurance (risk), including health insurance, Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses), ACC advice, Mortgages and personal lending, Determining how much you can afford to borrow to purchase a property, Selecting an appropriate lender and mortgage structure. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Backbone Nz (2018) Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FDRS
Panel: 46 providers
Services: 4 named
Linked docs: 1

Scope of advice

Personal insurance (risk), including health insurance
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
ACC advice
Mortgages and personal lending
Determining how much you can afford to borrow to purchase a property
Selecting an appropriate lender and mortgage structure
How to structure repayments to pay off mortgage sooner
Structuring and refixing current lending
+11 more

Contact Information

Phone

0800 954 478

Email

Not available

Website

www.mortgagelinkmanawatu.co.nz

Address

76 Fergusson Street,Feilding,Feilding,4702,New Zealand

About Backbone NZ (2018) Limited

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Public Disclosure Statement

46 providers on panel

Backbone Nz (2018) Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Backbone Nz (2018) Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FDRS
Scope of advice (verbatim from PDS): Personal insurance (risk), including health insurance
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
ACC advice
Mortgages and personal lending
Determining how much you can afford to borrow to purchase a property
Selecting an appropriate lender and mortgage structure
How to structure repayments to pay off mortgage sooner
Structuring and refixing current lending
Personal loans
Top ups
Fixed rate rollovers
Debt consolidation

+7 more
Specialties: Health Insurance
General Insurance
Income Protection
Business Insurance
Financial Planning
Mortgages
Lending
Life Insurance
Trauma Insurance
Disability 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.
Ownership: Backbone NZ 2018 LTD trading as Mortgage & Insurance Link Manawatu-Rangitikei (FSP648469) is an authorised body under Link Financial Group 2022 Ltd (FSP1004590), which holds the FAP licence.

Distribution panel

Product providers Backbone Nz (2018) 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 · 39

AIA +40
ANZ +38
BNZ +36
Westpac +35
ASB Bank +32
Avanti Finance +27
First Mortgage Trust +26
SBS Bank +24
Heartland Bank +24
Kiwibank +22
Cressida Capital +22
DBR Property Finance +21
Prospa +21
Basecorp Finance +17
Southern Cross Partners +16
Funding Partners +15
Resimac +15
Liberty Financial +12
Unity Credit Union +11
Bank of China +10
General Finance +10
Bluestone +9
ICBC +8
China Construction Bank +7
Pallas Capital +7
Peppermoney +5
Gold Band Finance +4
Oxford Finance +4
Simplify +4
Strata Funding +4
Get Capital +2
Metro Finance +2
The Co-operative Bank +2
ASAP Finance +1
CFML Loans +1
Fico Finance +1
Link Home Loans +1
Pioneer Finance +1
Arrow Finance

Other products · 7

Partners Life +39
Southern Cross +25
Chubb +17
nib +11
XE +5
Autosure (Greenwich Life)
Convera

Verbatim quotes from Backbone Nz (2018) Limited's PDS (6 fields cited)

Fees

“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:”

Product panel

“Partners Life | AIA | Southern Cross | nib | Chubb | Autosure (Greenwich Life)”

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

“Mortgage & Insurance Link Manawatu-Rangitikei advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending”

Dispute resolution

“If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact the **Financial Disputes Resolution Scheme (FDRS)**. FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.”

Material relationships

“Other Partners Convera | XE”

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 Backbone Nz (2018) 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.

Personal insurance (risk), including health insurance.
Advisory

Advice on personal risk insurance products including life, trauma, TPD, income protection, and health/medical insurance.

Fees: Generally commission-based; fees may apply if no commission paid or policy cancelled within 25 months.

For: retail
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
Advisory

Advice on business risk insurance covering key person, shareholder protection, and business overhead expenses.

Fees: Generally commission-based; fees may apply if no commission paid or policy cancelled within 25 months.

For: retail
ACC advice
Advisory

Advice relating to ACC cover options.

Fees: Generally commission-based; fees may apply where no commission is paid by provider.

For: retail
Mortgages and personal lending
Advisory

Advice on mortgages, personal loans, top-ups, fixed rate rollovers, debt consolidation, and business loans.

Fees: Generally commission-based; fees may apply if no commission paid or loan repaid/refinanced within 28 months.

For: retail

Additional disclosure documents

Documents linked from Backbone Nz (2018) 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.

www.fma.govt.nz · 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.