Personalised Mortgages Limited

“Upfront commission which is calculated as a percentage of the loan at drawdown (in the case of a loan). - Fixed rate rollover fees (in the case of refixing a loan). - Referral fees. - Other incentives or rewards, for example gifts or tickets to events.”

“The Adviser Business takes steps to ensure that the receipt of these types of payments does not influence the financial advice given and that its Financial Advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of payment that may be received. The Adviser Business does this by: - Ensuring the Financial Advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals. - Ensuring the Financial Advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing maximum commission rates and types by product provider.”

“A commission payment from the applicable insurer if an insurance application is accepted. - A referral payment from Tower Insurance if a client is referred for insurance needs. - A referral payment from XE Money or Prospa NZ if a client is referred for other financial needs.”

“The Adviser Business manages the potential conflict of interest raised by attendance at these events by ensuring the Financial Advisers follow the advice process described above to ensure the Financial Adviser prioritises your interests by recommending the best product for your purpose regardless of the information received at events they've recently attended.”