The Mortgage Girls Limited

Financial Services Provider

★★★★★

4.9 Read 301 reviews on Google

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

Christchurch

FSPR Registered

FSP Number: FSP706811

NZBN: 9429041861202

Team Size: 6 advisers

Verify on FSPR

About The Mortgage Girls Limited

What is The Mortgage Girls Limited?

The Mortgage Girls Limited is a financial services provider, based in Christchurch, with 6 years on the FSPR register, and 6 appointed advisers on file.

How is The Mortgage Girls Limited regulated?

The Mortgage Girls Limited is registered on the Financial Service Providers Register (FSPR)as FSP706811, 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 The Mortgage Girls Limited offer?

The Mortgage Girls Limited's Public Disclosure Statement lists the following scope of advice: Home Loans, Debt consolidation Loans, Investment Loans, Business Loans, Construction Loans, Vehicle and Equipment Loans. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from The Mortgage Girls Limited's PDS dated 2026-05-24 · PDF source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: FSCL
Panel: 24 providers
Services: 6 named
FAQs: 5 answered

Scope of advice

Home Loans
Debt consolidation Loans
Investment Loans
Business Loans
Construction Loans
Vehicle and Equipment Loans

Contact Information

Phone

0800 864 864

Email

Not available

Website

www.themortgagegirls.co.nz

Address

174 Huxley Street,Sydenham,Christchurch,8023,New Zealand

About The Mortgage Girls Limited

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Public Disclosure Statement

24 providers on panel

The Mortgage Girls Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format PDF.

→ View The Mortgage Girls Limited's original disclosure PDF · 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): Home Loans
Debt consolidation Loans
Investment Loans
Business Loans
Construction Loans
Vehicle and Equipment Loans
Specialties: Lending
Investments
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.

Distribution panel

Product providers The Mortgage Girls 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 · 24

AIA +40
ANZ +38
BNZ +36
Westpac +35
ASB Bank +32
Avanti Finance +27
First Mortgage Trust +26
Southern Cross +25
Heartland Bank +24
SBS Bank +24
Kiwibank +22
Pepper Money +22
Prospa +21
DBR Property Finance +21
Basecorp Finance +17
Funding Partners +15
The Co-operative Bank +13
Liberty Financial +12
TSB +11
Unity Credit Union +11
Cressida +6
Gold Band Finance +4
ASAP Finance Ltd +2
Mutual Credit Finance

Verbatim quotes from The Mortgage Girls Limited's PDS (6 fields cited)

Fees

“Generally, The Mortgage Girls usually won't charge you any fees for the financial advice your adviser provides you. This is possible because, on settlement of a loan, The Mortgage Girls usually receive commission from the lender. Any exceptions to this general position are explained below.”

Commission

“On settlement of a mortgage, The Mortgage Girls Ltd usually receive commission from the applicable product provider through which we place business. The commission is generally of an upfront nature but may also include a trail commission. The amount we receive is calculated on the amount of lending settled.”

Conflicts of interest

“We are neither contractually aligned, nor subject to business volume requirements to any one particular provider. The business is a member of the NZ Financial Services Group Limited's (NZFSG) aggregator network. As a member of this network, The Mortgage Girls can help clients get access to solutions to assist them in getting closer to their financial goals.”

Scope of advice

“We will only provide you advice about lending and mortgages, but if you need advice in other areas such as insurance or investments, we can point you in the direction of someone else who can help.”

Dispute resolution

“If we cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.”

Material relationships

“We also have a number of relationships with Building Inspectors, Solicitors, Conveyancers, Accountants, Property Managers, Building Brokers, Building Companies, Buyers Agents, Financial Advisers, Insurance Advisers, Real Estate Agents and other property related services in which we recommend and share in our conversations, follow ups, communications and client guides.”

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 Mortgage Girls 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 Loans
Advisory

Financial advice and transactional assistance for home loan products from a panel of lenders.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail
Debt consolidation Loans
Advisory

Advice on consolidating existing debts into a single loan product.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail
Investment Loans
Advisory

Advice on loan products for property investment purposes.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail
Business Loans
Advisory

Advice on loan products for business financing needs.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail
Construction Loans
Advisory

Advice on loan products for building or construction projects.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail
Vehicle and Equipment Loans
Advisory

Advice on loan products for vehicle and equipment financing.

Fees: Generally no fee; commission received from lender on settlement. Fees may apply in exceptional circumstances.

For: retail

FAQs from this firm's PDS

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

What financial advice does The Mortgage Girls provide?

“The Mortgage Girls and its advisers specialise in providing financial advice and transactional solutions in relation to mortgages and loan products. We help you on your home buying journey whether it be now or in the future. We can help with purchasing your first home, building a new home, expanding your investment portfolio and more. Our goal is to help you from start to finish and ongoing with your financial plans.”

Will I be charged fees for financial advice?

“Generally, The Mortgage Girls usually won't charge you any fees for the financial advice your adviser provides you. This is possible because, on settlement of a loan, The Mortgage Girls usually receive commission from the lender. Any exceptions to this general position are explained below.”

What happens if I withdraw my loan application after substantial work has been done?

“Where in good faith substantial work has been applied towards any loan application and the application has been withdrawn by the client, at the discretion of the adviser, a minimum fee of $500 will be charged.”

What external disputes resolution scheme can I use if my complaint is not resolved?

“If we cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL's service is free of charge to you.”

Does The Mortgage Girls have any conflicts of interest?

“On settlement of a mortgage, The Mortgage Girls Ltd usually receive commission from the applicable product provider through which we place business. The commission is generally of an upfront nature but may also include a trail commission. The amount we receive is calculated on the amount of lending settled. The Mortgage Girls also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan.”

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.