H&c Financial Services Limited

Financial Services Provider

★★★★★

4.9 Read 30 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP1000923

NZBN: 9429048812030

Team Size: 7 advisers

Verify on FSPR

About H&c Financial Services Limited

What is H&c Financial Services Limited?

H&c Financial Services Limited is a financial services provider, based in Auckland, with 4 years on the FSPR register, and 7 appointed advisers on file.

How is H&c Financial Services Limited regulated?

H&c Financial Services Limited is registered on the Financial Service Providers Register (FSPR)as FSP1000923, 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 H&c Financial Services Limited offer?

H&c Financial Services Limited's Public Disclosure Statement lists the following scope of advice: Lending, Risk/Insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from H&c Financial Services Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 3 providers
Services: 2 named
FAQs: 1 answered
Linked docs: 4

Scope of advice

Lending
Risk/Insurance

Contact Information

Phone

09 600 1894

Email

Not available

Website

hcfinance.co.nz

Address

2 Crescent Road,Epsom,Auckland,1023,New Zealand

About H&c Financial Services Limited

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Public Disclosure Statement

3 providers on panel

H&c Financial Services Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View H&c Financial Services 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): Lending
Risk/Insurance
Specialties: Lending
General Insurance
Mortgages
Life 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 H&c Financial Services 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.

Other products · 3

Tower Insurance +4
XE Money +2
Prospa +2

Verbatim quotes from H&c Financial Services Limited's PDS (3 fields cited)

Fees

“In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up-front for the Client to agree to before proceeding.”

Commission

“If a client receives advice from a Financial Adviser in relation to an insurance product and the insurance application is accepted, H&C Finance may receive a commission payment from the applicable insurer.”

Dispute resolution

“Financial Services Complaints Limited”

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 H&c Financial Services 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.

Lending
Advisory

Financial advice on lending products from providers H&C Finance is certified and registered with.

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

For: retail
Risk
Advisory

Financial advice on risk/insurance products from providers H&C Finance is certified and registered with.

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

For: retail

FAQs from this firm's PDS

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

How does H&C Finance charge for its services?

“In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up-front for the Client to agree to before proceeding.”

Additional disclosure documents

Documents linked from H&c Financial Services 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.

NZ Financial Services Group's · Parent Licence
FMA · Other disclosure
enquiries@hcfinance.co.nz · Complaints Process
complaints@fscl.org.nz · Complaints Process

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.