Nz Home Loans (whangarei South) Limited

Financial Services Provider

Is this your firm? Claim this listing to add your Google rating + contact details

Whangarei

FSPR Registered

FSP Number: FSP480627

NZBN: 9429042130888

Team Size: 6 advisers

Verify on FSPR

About Nz Home Loans (whangarei South) Limited

What is Nz Home Loans (whangarei South) Limited?

Nz Home Loans (whangarei South) Limited is a financial services provider, based in Whangarei, with 10 years on the FSPR register, and 6 appointed advisers on file.

How is Nz Home Loans (whangarei South) Limited regulated?

Nz Home Loans (whangarei South) Limited is registered on the Financial Service Providers Register (FSPR)as FSP480627, with first registration in 2016. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Nz Home Loans (whangarei South) Limited offer?

Nz Home Loans (whangarei South) Limited's Public Disclosure Statement lists the following scope of advice: home loans, personal insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Nz Home Loans (whangarei South) Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 8 providers
Services: 2 named
FAQs: 4 answered
Linked docs: 1

Scope of advice

home loans
personal insurance

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

24 Second Avenue,Avenues,Whangarei,0110,New Zealand

About Nz Home Loans (whangarei South) Limited

Company profile coming soon

Get in touch to add your company description

Public Disclosure Statement

8 providers on panel

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

→ View Nz Home Loans (whangarei South) 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): home loans
personal insurance
Specialties: Mortgages
Lending
General 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: NZHL (The New Zealand Home Loan Company Limited) is owned by Kiwi Group Capital Limited (KGC). KGC also owns Kiwibank Limited. NZHL owns NZHL Mortgage Advisory Limited and holds a majority shareholding in Link Financial Group 2022 Limited, which in turn holds a majority sharehold…

Distribution panel

Product providers Nz Home Loans (whangarei South) 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 · 3

Kiwibank +22
Liberty Financial +8
ASB Bank +6

Other products · 5

AIA +40
Partners Life +39
Fidelity Life +35
nib +11
NZHL Life (provided by Fidelity Life) +2

Verbatim quotes from Nz Home Loans (whangarei South) Limited's PDS (4 fields cited)

Fees

“We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products.”

Scope of advice

“NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers.”

Ownership

“NZHL is owned by **Kiwi Group Capital Limited (KGC)**. KGC also owns Kiwibank Limited. NZHL owns **NZHL Mortgage Advisory Limited**. NZHL holds a majority shareholding in **Link Financial Group 2022 Limited**, which in turn holds a majority shareholding in **Insurance Link General Limited ("FG Link")**.”

Material relationships

“NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser.”

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 Nz Home Loans (whangarei South) 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.

Loans
Advisory

Financial advice on home loan products from Kiwibank (via New Zealand Home Loan products), ASB Bank, and Liberty Financial.

Fees: Application fee charged on approved and settled new or additional mortgage finance; commission received from lender on settlement.

For: retail
Insurance
Advisory

Financial advice on personal insurance products from NZHL Life, Fidelity Life, AIA, nib, and Partners Life.

Fees: No application fee; commission received from insurer based on first-year premium, plus ongoing annual servicing commission.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Nz Home Loans (whangarei South) Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What fees does NZHL charge for its services?

“We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products.”

What happens if I repay or cancel my loan or insurance within 24 months?

“We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit.”

How does NZHL manage conflicts of interest?

“To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised.”

What duties and obligations does NZHL have when providing financial advice?

“NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They 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”

Additional disclosure documents

Documents linked from Nz Home Loans (whangarei South) 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.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.