Guardian Smith Limited

Financial Services Provider

★★★★★

5 Read 451 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP1002543

NZBN: 9429050266647

Team Size: 30 advisers

Verify on FSPR

About Guardian Smith Limited

What is Guardian Smith Limited?

Guardian Smith Limited is a financial services provider, based in Auckland, with 4 years on the FSPR register, and 30 appointed advisers on file.

How is Guardian Smith Limited regulated?

Guardian Smith Limited is registered on the Financial Service Providers Register (FSPR)as FSP1002543, with first registration in 2022. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Guardian Smith Limited offer?

Guardian Smith Limited's Public Disclosure Statement lists the following scope of advice: mortgages. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 31 providers
Services: 1 named
FAQs: 5 answered
Linked docs: 2

Scope of advice

mortgages

Contact Information

Phone

0210 318 160

Email

Not available

Website

guardiansmith.co.nz

Address

Level 6, 167 Victoria Street West,Auckland Central,Auckland,1010,New Zealand

About Guardian Smith Limited

Company profile coming soon

Get in touch to add your company description

Public Disclosure Statement

31 providers on panel

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

→ View Guardian Smith 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): mortgages
Specialties: Mortgages

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: Guardian Smith (2022) Limited (FSP1002543) is authorised under a licence held by NZ Financial Services Group Limited (FSP286965)

Distribution panel

Product providers Guardian Smith 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 · 31

ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
Avanti Finance +26
First Mortgage Trust +25
Southern Cross +24
Heartland Bank +23
SBS Bank +23
Cressida Capital +21
Pepper Money +21
Kiwibank +21
DBR Property Finance +20
Basecorp Finance +16
Funding Partners +14
The Co-operative Bank +12
Unity Credit Union +10
TSB +10
General Finance +9
Liberty Financial +6
Pallas Capital +6
CFML +5
Finbase +4
ASAP Finance Limited +3
Bank of China +2
China Construction Bank (New Zealand) Limited +2
Prospa +1
AIA Go Home Loan
Industrial and Commercial Bank of China (New Zealand) Limited
BIZCAP
Midlands Funds Management

Verbatim quotes from Guardian Smith Limited's PDS (8 fields cited)

Fees

“Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake. However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware of the fee for service and agree to the amount before you are invoiced. The fee amount will be based on an estimate of the time spent on providing the service.”

Commission

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

Product panel

“ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - PROSPA - Avanti Finance - Cressida Capital - DBR - First Mortgage Trust - General Finance - Heartland Bank - Liberty Financial Limited - Unity - Pepper Money - SBS Bank - Southern Cross - AIA Go Home Loan - The Co-operative Bank - TSB - Bank of China (New Zealand) Limited”

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. To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances.”

Scope of advice

“Guardian Smith provides advice to our clients about their mortgages. Our Financial Advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - For mortgages, we work with the following lenders (see provider list below)”

Dispute resolution

“If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs.”

Ownership

“NZ Financial Services Group Limited (FSP286965) holds a license issued by the Financial Markets Authority to provide financial advice. Guardian Smith (2022) Limited (FSP1002543) is authorized by the license to provide financial advice.”

Material relationships

“As part of our overall process, we sometimes refer our clients to Insurance Advisers. We receive a small referral fee for this service.”

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 Guardian Smith 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.

financial advice about products from certain providers
Advisory

Mortgage advice service covering a panel of lenders; insurance advice is referred out to separate Insurance Advisers.

Fees: Generally no fee; commission received from lenders. One-off fee may apply if no commission is received.

For: retail

FAQs from this firm's PDS

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

Will Guardian Smith charge me a fee for financial advice?

“Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake. However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware of the fee for service and agree to the amount before you are invoiced. The fee amount will be based on an estimate of the time spent on providing the service.”

How does Guardian Smith handle conflicts of interest and commissions?

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

What happens if my complaint cannot be resolved by Guardian Smith?

“If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs. FSCL's role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).”

What duties does Guardian Smith have when giving financial advice?

“We are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests - exercise care, diligence, and skill in providing you with advice - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice) - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services”

Are you required to provide personal information to Guardian Smith?

“You are not required to provide any personal information to us but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance, insurance and other Products from Product Providers.”

Additional disclosure documents

Documents linked from Guardian Smith 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.

fscl.org.nz · Complaints Process
https://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.