Lighthouse Mortgages Limited

Financial Services Provider

★★★★★

3 Read 2 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP774666

NZBN: 9429042400639

Team Size: 6 advisers

Verify on FSPR

About Lighthouse Mortgages Limited

What is Lighthouse Mortgages Limited?

Lighthouse Mortgages Limited is a financial services provider, based in Auckland, with 5 years on the FSPR register, and 6 appointed advisers on file.

How is Lighthouse Mortgages Limited regulated?

Lighthouse Mortgages Limited is registered on the Financial Service Providers Register (FSPR)as FSP774666, 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 Lighthouse Mortgages Limited offer?

Lighthouse Mortgages Limited's Public Disclosure Statement lists the following scope of advice: residential lending. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

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

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

Scope of advice

residential lending

Contact Information

Phone

0800 829 7388

Email

Not available

Website

www.propertytaxreturns.co.nz/specialised-mortgages

Address

41 High Street,Auckland Central,Auckland,1010,New Zealand

About Lighthouse Mortgages Limited

Company profile coming soon

Get in touch to add your company description

Public Disclosure Statement

1 provider on panel

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

→ View Lighthouse 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): residential lending
Specialties: Lending
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: Lighthouse Mortgages Limited (FSP 7744666) is part of a New Zealand Financial Services Group

Distribution panel

Product providers Lighthouse 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 · 1

Various lenders via Kiwi Adviser Network (KAN) — including main banks and non-bank lenders

Verbatim quotes from Lighthouse Mortgages Limited's PDS (8 fields cited)

Fees

“In the odd case a fee is charged we will agree to that fee in advance of the Statement of Advice and the specific fee will be outlined in the Statement of Advice. The fee range would generally be **$1,500 – $2,500**.”

Commission

“For mortgages, Lighthouse Mortgages Limited and the financial adviser receive commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to Lighthouse Mortgages Limited and your financial adviser. The amount of the commission is based on the amount of the mortgage.”

Product panel

“Lighthouse Mortgages provides financial advice on residential lending products. We recommend a wide range of lenders available via our aggregator, Kiwi Adviser Network (KAN). This includes both main banks and non-bank lenders. A full list of these providers is available on request.”

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

“Lighthouse Mortgages provides financial advice on residential lending products. We recommend a wide range of lenders available via our aggregator, Kiwi Adviser Network (KAN). This includes both main banks and non-bank lenders. A full list of these providers is available on request. We do not provide advice on insurance, KiwiSaver, investments, or legal/tax matters unless otherwise stated.”

Dispute resolution

“If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, we will issue you with a Letter of Deadlock and you can proceed to contact Financial Services Complaints Ltd.”

Ownership

“Lighthouse Mortgages is part of a New Zealand Financial Services Group. Remuneration can flow to the business from product providers via the Dealer Group; this is based on production of the group as a whole and Lighthouse Mortgages.”

Material relationships

“Lighthouse Mortgages is part of a New Zealand Financial Services Group. Remuneration can flow to the business from product providers via the Dealer Group; this is based on production of the group as a whole and Lighthouse Mortgages. The Business can also receive other services or benefits (related to being a FAP) from the dealer group.”

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 Lighthouse 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.

residential lending products
Advisory

Financial advice on residential lending, recommending from a wide range of main bank and non-bank lenders via aggregator Kiwi Adviser Network.

Fees: Commission from lenders; service fee of $1,500–$2,500 in certain cases; clawback recovery fee may apply.

For: retail

FAQs from this firm's PDS

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

What should you do if something goes wrong?

“If you have a problem, concern, or complaint about any part of our service, please let us know so we can try to fix the problem. You can contact the individual adviser on their direct phone number, our internal disputes service by telephoning 09 320 4948, by email info@lighthousefinancial.co.nz, or in writing to 41 High Street, Auckland City, Auckland 1010.”

What happens if Lighthouse cannot resolve a complaint internally?

“If we cannot agree on how to resolve the issue, or you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Ltd. You can contact Financial Services Complaints by emailing complaints@fscl.org.nz, calling 0800 347 257, online at www.fscl.org.nz/complaints/complaint-form, or in writing to the FSCL Scheme, PO Box 5967, Wellington. This service will cost you nothing and will help us resolve any disagreements.”

When may Lighthouse charge a service fee?

“In certain situations, Lighthouse may have to charge you a service fee for services rendered, including where: - An upfront commission is not offered by the Provider your loan will be sourced through; - The services we provide you are advisory in nature or involve a significant amount of work that will not result in a commissionable transaction; or - Your loan is expected to be repaid within a short timeframe and thus incur a full commission clawback”

How is the clawback recovery fee calculated?

“Our clawback recovery fee is calculated by charging our hourly rate for the amount of time we spent on your application e.g. $200 per hour x 15 hours = $3,000 clawback recovery fee.”

Additional disclosure documents

Documents linked from Lighthouse Mortgages 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.

Privacy Policy · Privacy Policy
Terms of Engagement · Terms & Conditions
FSCL Complaint Form · 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.