Float Financial Advisors Limited

Financial Services Provider

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Auckland

FSPR Registered

FSP Number: FSP545907

NZBN: 9429045970603

Team Size: 13 advisers

Verify on FSPR

About Float Financial Advisors Limited

What is Float Financial Advisors Limited?

Float Financial Advisors Limited is a financial services provider, based in Auckland, with 9 years on the FSPR register, and 13 appointed advisers on file.

How is Float Financial Advisors Limited regulated?

Float Financial Advisors Limited is registered on the Financial Service Providers Register (FSPR)as FSP545907, with first registration in 2017. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Float Financial Advisors Limited offer?

Float Financial Advisors Limited's Public Disclosure Statement lists the following scope of advice: Mortgage advice and application assistance, Trauma insurance advice, Permanent disability insurance advice, Income protection insurance advice, Life insurance advice, Health insurance advice. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 38 providers
Services: 5 named
FAQs: 5 answered
Linked docs: 1

Scope of advice

Mortgage advice and application assistance
Trauma insurance advice
Permanent disability insurance advice
Income protection insurance advice
Life insurance advice
Health insurance advice
Investment advice
KiwiSaver advice

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

Shed 4, 90 Wellesley Street West,Cbd,Auckland,1061,New Zealand

About Float Financial Advisors Limited

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Public Disclosure Statement

38 providers on panel

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

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

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Mortgage advice and application assistance
Trauma insurance advice
Permanent disability insurance advice
Income protection insurance advice
Life insurance advice
Health insurance advice
Investment advice
KiwiSaver advice
Specialties: General Insurance
Disability Insurance
Income Protection
Life Insurance
Health Insurance
Investments
Kiwisaver
Mortgages
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 Float Financial Advisors 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 · 26

ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
Avanti Finance +26
First Mortgage Trust +25
SBS Bank +23
Heartland Bank +23
Kiwibank +21
DBR Property Finance +20
Resimac +14
The Co-operative Bank +12
Unity Credit Union +10
TSB +10
Basecorp Finance +9
General Finance +9
Bank of China +9
Liberty Financial +7
ICBC +7
Cressida +5
CFML +5
PSIS
Public Trust
AIA/Go Home Loans
Sentinel
Pepper Finance

KiwiSaver · 4

Booster +20
Generate +20
Milford Asset Management +13
Pathfinder +6

Life & Health Insurance · 5

AIA +39
Partners Life +38
Fidelity Life +34
nib +22
Asteron Life +8

General Insurance · 3

Tower Insurance +4
Vero +2
Ando +1

Verbatim quotes from Float Financial Advisors Limited's PDS (6 fields cited)

Fees

“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 get your permission in writing.”

Commission

“The product providers we deal with usually pay commissions to Float based on the business Float brings them. This is generally paid once the mortgage is settled or insurance policy is issued and is a percentage of the value of your investment balances, loan balance or insurance premium. The commission may also include a renewal or trail commission which is a percentage of the value of your investment balance, outstanding loan amount or premiums”

Professional indemnity

“All our advisers are covered with professional indemnity insurance policies. This provides protection for our customers in unlikely cases of financial loss due to misrepresentation, negligence, financial loss through fraud, omission or employee dishonesty.”

Conflicts of interest

“Our advisers are paid salaries, not commissions based on the revenue that Float earns. This means they can focus on finding the right deal for you instead of hunting for the biggest pay-off for them personally. There is no financial incentive or financial conflict of interest for a Float Financial Adviser to apply to one product provider over another.”

Scope of advice

“Here are the things we can help you with. As you can see, they are focused on helping you buy property and grow your assets, as well as advising on insurance to protect your health and financial wellbeing.”

Material relationships

“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.”

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 Float Financial Advisors 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.

Finding the right mortgage and managing the paperwork when you apply for your loan.
Advisory

Mortgage advice and application support across a wide range of lenders.

Fees: Generally commission-based (paid by lender); one-off fee may apply if lender pays no commission or clawback occurs.

For: retail
Advice on income protection insurance to help safeguard your income if sickness or disability affected your ability to earn.
Advisory

Income protection insurance advice to cover loss of earnings due to sickness or disability.

Fees: Generally commission-based (paid by insurer); one-off fee may apply if clawback occurs within 27 months.

For: retail
Advice on life insurance to protect those who depend on you financially.
Advisory

Life insurance advice to provide financial protection for dependants.

Fees: Generally commission-based (paid by insurer); one-off fee may apply if clawback occurs within 27 months.

For: retail
Advice on health insurance to provide access to private hospital or specialist treatment.
Advisory

Health insurance advice for access to private medical care.

Fees: Generally commission-based (paid by insurer); one-off fee may apply if clawback occurs within 27 months.

For: retail
Advice on investments and KiwiSaver to help you build a deposit for your first home and plan for retirement.
Advisory

Investment and KiwiSaver advice to support deposit saving and retirement planning.

Fees: Commission-based; renewal/trail commission may apply as a percentage of investment balances.

For: retail

FAQs from this firm's PDS

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

Does Float charge fees for mortgage and insurance advice?

“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 get your permission in writing.”

What happens if I repay my mortgage early — is there a clawback fee?

“If you repay in part a mortgage within 27 months of drawdown, the lender may take back some or all of the commission Float earned. If you have refinanced using another broker or by going direct to a bank, Float may charge you a one-off fee to cover the income that the lender has "clawed back" from Float.”

What happens if I cancel my insurance policy within 27 months?

“If you decide to close a life insurance or health policy within 27 months from inception of the policy, the insurance company may take back some or all of the commission Float earned. Float may charge you a one-off fee to cover the income that the insurance provider has "clawed back" from Float.”

How does Float manage conflicts of interest?

“Our advisers are paid salaries, not commissions based on the revenue that Float earns. This means they can focus on finding the right deal for you instead of hunting for the biggest pay-off for them personally. There is no financial incentive or financial conflict of interest for a Float Financial Adviser to apply to one product provider over another.”

Are Float's advisers covered by professional indemnity insurance?

“All our advisers are covered with professional indemnity insurance policies. This provides protection for our customers in unlikely cases of financial loss due to misrepresentation, negligence, financial loss through fraud, omission or employee dishonesty.”

Additional disclosure documents

Documents linked from Float Financial Advisors 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.