Opes Mortgages Limited

Financial Services Provider

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

Christchurch

FSPR Registered

FSP Number: FSP745811

NZBN: 9429048384001

Team Size: 10 advisers

Verify on FSPR

About Opes Mortgages Limited

What is Opes Mortgages Limited?

Opes Mortgages Limited is a financial services provider, based in Christchurch, with 5 years on the FSPR register, and 10 appointed advisers on file.

How is Opes Mortgages Limited regulated?

Opes Mortgages Limited is registered on the Financial Service Providers Register (FSPR)as FSP745811, with first registration in 2020. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Opes Mortgages Limited offer?

Opes Mortgages 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 Opes Mortgages Limited's PDS dated 2026-05-18 · PDF source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 27 providers
Services: 1 named
FAQs: 5 answered

Scope of advice

mortgages

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

236 High Street,Christchurch Central,Christchurch,8011,New Zealand

About Opes Mortgages Limited

Company profile coming soon

Get in touch to add your company description

Public Disclosure Statement

27 providers on panel

Opes Mortgages Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-18 · source format PDF.

→ View Opes Mortgages Limited's original disclosure PDF · 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: Opes Mortgages Limited is authorised under the licence of Opes Group Holding Company Limited (FSP774012). Opes Group Holding Company Limited is owned by three corporate trustee companies of which Sue Foley from Landley Law Limited is the sole director.

Distribution panel

Product providers Opes 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 · 27

ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
Avanti Finance +26
First Mortgage Trust +25
Heartland Bank +23
SBS Bank +23
Cressida Capital +21
Pepper Money +21
ASAP Finance +17
Basecorp Finance +16
Southern Cross Partners +15
Funding Partners +14
The Co-operative Bank +12
ICBC +7
Plus Finance +7
China Construction Bank +6
Liberty Financial +6
Kiwibank +3
DBR Property Financiers +2
Prospa +1
TSB +1
AIA GO Home Loans
Bank of China
Conrad Funds Management Limited (CFML)
Unity Credit Union

Services this firm offers

Named service offerings extracted from Opes 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.

financial advice about mortgages
Advisory

Mortgage advice covering a panel of lenders; advisers are salaried and paid by lender commission in most cases.

Fees: Usually no client fee; lender pays commission. Service fee may apply in limited cases; clawback fee if loan repaid within 28 months.

For: retail

FAQs from this firm's PDS

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

Will I be charged a fee for mortgage advice?

“In most cases, we are paid by the lender, and no fee is charged to you. However, in limited circumstances, Opes Mortgages may charge you a service fee for the financial advice we provide you, including where an upfront commission is not offered, or only a reduced commission is offered, by the product provider that your loan will be sourced through.”

What happens if I repay or refinance my loan early?

“If you repay or refinance any loan, within a period of up to 28 months of inception ("clawback period"), we will have to charge you a fee based upon the amount of commission we will have to pay back to the lender. The fee reduces on a sliding scale based on the length of time you have had the loan. The closer to the end of the clawback period you are, then the lower the fee.”

When will the clawback recovery fee not be charged?

“We will not charge you a clawback recovery fee if we were given the opportunity to secure new lending or refinancing for you but were unable to at least match a finance approval that you obtained elsewhere, or if we charged you an upfront Service Fee for arranging the original loan.”

How are Opes Mortgages advisers remunerated?

“Opes Mortgages advisers are remunerated through a salary. They do not receive commission as a result of the advice they give you.”

What external dispute resolution is available?

“If we cannot agree on how to fix the issue, you can contact our external dispute resolution scheme, Financial Services Complaints Limited ("FSCL"). FSCL provides a free and independent dispute resolution service that may help to resolve your complaint.”