The Capital Finance Limited

Financial Services Provider

★★★★★

5 Read 276 reviews on Google

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

Papakura

FSPR Registered

FSP Number: FSP1004173

NZBN: 9429050889846

Team Size: 15 advisers

Verify on FSPR

About The Capital Finance Limited

What is The Capital Finance Limited?

The Capital Finance Limited is a financial services provider, based in Papakura, with 3 years on the FSPR register, and 15 appointed advisers on file.

How is The Capital Finance Limited regulated?

The Capital Finance Limited is registered on the Financial Service Providers Register (FSPR)as FSP1004173, with first registration in 2022. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does The Capital Finance Limited offer?

The Capital Finance Limited's Public Disclosure Statement lists the following scope of advice: home loan products. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from The Capital Finance Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: not-stated
Panel: 20 providers
Services: 1 named

Scope of advice

home loan products

Contact Information

Phone

0800 626 685

Email

Not available

Website

www.capitalfinance.nz

Address

97 Parkhaven Drive,Rosehill,Papakura,2113,New Zealand

About The Capital Finance Limited

Company profile coming soon

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Public Disclosure Statement

20 providers on panel

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

→ View The Capital Finance Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Scope of advice (verbatim from PDS): home loan products
Specialties: Mortgages
Lending

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 The Capital Finance 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 · 20

ANZ +37
BNZ +35
Westpac +34
ASB Bank +31
First Mortgage Trust +25
Heartland Bank +23
Pepper Money +21
Cressida Capital +21
DBR Property Finance +20
Prospa +20
Southern Cross Partners +15
Resimac +14
Unity Credit Union +10
Basecorp Finance +9
Bluestone +8
Avanti Finance +8
Plus Finance +7
The Co-operative Bank +2
ASAP Finance
Funding Partners CFML

Verbatim quotes from The Capital Finance Limited's PDS (6 fields cited)

Fees

“Typically, we do **not** charge a fee for the advice and transactional solutions we provide. This is because we receive a commission from the relevant product provider upon settlement of a mortgage, as explained above.”

Commission

“When a loan is settled, we typically earn a commission from the relevant product provider. This commission may be upfront or include a renewal or trail commission. Additionally, if we assist in refinancing your loan, we may receive a fixed-rate rollover fee from certain product providers.”

Product panel

“The advice we offer is limited to the products from the following providers: - ASB - Westpac - ANZ - BNZ - Co-operative Bank - Pepper Money - Resimac - Bluestone - Asap Finance - Avanti - Basecorp - Cressida Capital - DBR - First Mortgage Trust - Funding Partners CFML - Heartland Bank”

Conflicts of interest

“Any conflicts of interest that may arise separately from the commission we collect that could influence our advice are disclosed in your Financial Adviser's **Disclosure Guide**.”

Scope of advice

“Our business provides advice to our clients about **home loan products**.”

Material relationships

“We also pay Capital Finance for the services they provide in connection with our authorisation under their licence from the Financial Markets Authority.”

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 The Capital Finance 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.

home loan products
Advisory

Financial advice on home loan products from a panel of lenders, with commission-based remuneration on mortgage settlement.

Fees: Typically commission-based (no client fee); fees up to $2,500+GST may apply in limited circumstances.

For: retail

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.