Public Disclosure
License Information
Prime Mortgage Limited holds a Full Financial Advice Provider (FAP) license (Class2) issued by the Financial Markets Authority (FMA) to provide financial advice services.
Our Financial Services Provider (FSP) number is FSP 1007564.
A Class 2 licence covers the service of a financial advice provider (whether the licence holder or any authorised body) providing regulated financial advice to retail clients:
Contact Details
Phone: 022 0588928
Email: info@primemortgage.co.nz
Website:www.primemortgage.co.nz
Nature & Scope Of Our Advice
Our Services
We will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders (Set out below). Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval
Banks and lenders we use:
We source loans from a panel of approved lenders. The current lenders we use are:
License Information
Prime Mortgage Limited holds a Full Financial Advice Provider (FAP) license (Class2) issued by the Financial Markets Authority (FMA) to provide financial advice services.
Our Financial Services Provider (FSP) number is FSP 1007564.
A Class 2 licence covers the service of a financial advice provider (whether the licence holder or any authorised body) providing regulated financial advice to retail clients:
- on the financial advice provider’s account
- through one or more financial advisers
Contact Details
Phone: 022 0588928
Email: info@primemortgage.co.nz
Website:www.primemortgage.co.nz
Nature & Scope Of Our Advice
Our Services
We will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders (Set out below). Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval
Banks and lenders we use:
We source loans from a panel of approved lenders. The current lenders we use are:
Financial Products and Services:
We are specialize in offering advice on a range of financial products, including:
Additionally, we can connect you with our trusted partners for the following services:
Limitations on Advice:
While we can provide comprehensive advice on various financial products, there are certain areas where our expertise is not applicable:
- We cannot offer advice on the use of your KiwiSaver retirement fund(s) or funding your home purchase. For these matters, we recommend consulting a specialized Financial Adviser with expertise in investment planning.
- Legal or tax advice is outside the scope of our services. It is advisable to seek guidance from a solicitor or accountant for such matters.
Referrals to Other Professionals:
Should the need arise for the expertise of another professional during our engagement, we will refer you to the appropriate professional directly. This may include legal, accounting, or tax advice.
Commitment to You:
As your Financial Adviser, we are dedicated to fulfilling a set of obligations, including:
- Adhering to a Code of Professional Conduct for Financial Advice Services.
- Meeting legal duties prescribed by law.
- Maintaining standards of competence, knowledge, and skill.
- Acting in your best interests.
- Providing suitable financial advice.
- Ensuring you comprehend the advice process and any complex terminology.
- Exercising care, diligence, and skill in delivering Financial Adviser services.
- Providing financial advice in writing.
- Maintaining accurate and secure records.
- Ensuring confidentiality of your personal information.
We also adhere to duties outlined in the Financial Markets Conduct Act 2013.
Your Obligations:
To facilitate the advisory process, it is crucial that you provide accurate and timely information. Additionally, you are responsible for notifying me of any significant matters or changes that may impact the lender's decision.
Timeframes and Ongoing Services:
Our initial financial advice meeting may require one to two hours, and subsequent meetings may be necessary for the entire application and advice process. We will periodically check in to see if your circumstances have changed and if you need further assistance. Feel free to contact me if your situation evolves or if you require adjustments to your loan.
Remuneration and Payment:
In most cases, our services are provided at no direct cost to you. Instead, remuneration is received from our suppliers, such as banks and finance companies. Commission received for implementing a home loan covers research, analysis, and administrative costs. We will also pay a referral fee or commission to our referral partners. We can also receive a referral fee or commission if we refer you to our referral partners.
Conflict of interests and Commissions:
On settlement of a mortgage we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We manage these conflicts of interest by:
Complaint Resolution:
In the event of a dispute or complaint, please refer to the Prime Mortgage website for a detailed outline of the procedures to follow. Your feedback is crucial, and we are dedicated to resolving any issues promptly and transparently.
Information Handling at Prime Mortgage:
At Prime Mortgage, we meticulously adhere to the New Zealand Privacy Act 2020, demonstrating our commitment to the responsible management of your data. To facilitate your loan application and assess your eligibility, we necessitate specific personal and financial information from you. This information is shared with key stakeholders, including Prime, your Financial Adviser, lenders, and essential third parties such as credit reporting agencies, government bodies, regulatory authorities, banks, and non-bank lenders. Should you wish to access or rectify any of the information obtained with your permission, we encourage you to promptly contact us. It's crucial to note that your personal and business information may also be disclosed to professionals like solicitors, accountants, insurance advisers, or valuers upon your request. Additionally, disclosure may occur to prospective purchasers if there is an intention to sell our Financial Adviser business. In compliance with regulatory requirements, information may be shared with entities like the Financial Markets Authority and/or independent compliance reviewers for monitoring or compliance purposes. Moreover, in the event of a dispute, your information may be disclosed to our independent disputes resolution scheme, insurer, product provider, or legal adviser.
We acknowledge the possibility of lawful disclosure of your personal information under Court Orders or Statutory Notices pursuant to taxation laws. Be assured that any material changes to the handling of your information or to the mentioned items, products, or services will be communicated to you via email and/or post. This agreement governing the handling of your information will persist until terminated, requiring a written notice of at least thirty days from either party. By acknowledging this, you confirm that you have read and understood the information pertaining to the Privacy Act 2020, including how your information may be collected, used, stored, and shared.
Privacy Policy & Security
We will collect personal information in accordance with our Privacy Policy. We regard client confidentiality as of paramount importance. We will not disclose any confidential information obtained from or about you to any other person, except in accordance with our Privacy Policy.
We are specialize in offering advice on a range of financial products, including:
- Home Loans
- Investment Loans
- Development and Construction Loans
- Commercial Loans
Additionally, we can connect you with our trusted partners for the following services:
- Home and contents insurance
- Personal risk insurance
- Asset finance
- Kiwisaver & Investment
Limitations on Advice:
While we can provide comprehensive advice on various financial products, there are certain areas where our expertise is not applicable:
- We cannot offer advice on the use of your KiwiSaver retirement fund(s) or funding your home purchase. For these matters, we recommend consulting a specialized Financial Adviser with expertise in investment planning.
- Legal or tax advice is outside the scope of our services. It is advisable to seek guidance from a solicitor or accountant for such matters.
Referrals to Other Professionals:
Should the need arise for the expertise of another professional during our engagement, we will refer you to the appropriate professional directly. This may include legal, accounting, or tax advice.
Commitment to You:
As your Financial Adviser, we are dedicated to fulfilling a set of obligations, including:
- Adhering to a Code of Professional Conduct for Financial Advice Services.
- Meeting legal duties prescribed by law.
- Maintaining standards of competence, knowledge, and skill.
- Acting in your best interests.
- Providing suitable financial advice.
- Ensuring you comprehend the advice process and any complex terminology.
- Exercising care, diligence, and skill in delivering Financial Adviser services.
- Providing financial advice in writing.
- Maintaining accurate and secure records.
- Ensuring confidentiality of your personal information.
We also adhere to duties outlined in the Financial Markets Conduct Act 2013.
Your Obligations:
To facilitate the advisory process, it is crucial that you provide accurate and timely information. Additionally, you are responsible for notifying me of any significant matters or changes that may impact the lender's decision.
Timeframes and Ongoing Services:
Our initial financial advice meeting may require one to two hours, and subsequent meetings may be necessary for the entire application and advice process. We will periodically check in to see if your circumstances have changed and if you need further assistance. Feel free to contact me if your situation evolves or if you require adjustments to your loan.
Remuneration and Payment:
In most cases, our services are provided at no direct cost to you. Instead, remuneration is received from our suppliers, such as banks and finance companies. Commission received for implementing a home loan covers research, analysis, and administrative costs. We will also pay a referral fee or commission to our referral partners. We can also receive a referral fee or commission if we refer you to our referral partners.
Conflict of interests and Commissions:
On settlement of a mortgage we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We manage these conflicts of interest by:
- Always recommending the best product for your purpose regardless of the type and amount of commission we will receive.
- Ensuring the amount of any loan is in accordance with your identified needs.
- Conducting annual training on how to manage any conflicts of interest and record any conflicts in a register that we review and manage.
Complaint Resolution:
In the event of a dispute or complaint, please refer to the Prime Mortgage website for a detailed outline of the procedures to follow. Your feedback is crucial, and we are dedicated to resolving any issues promptly and transparently.
Information Handling at Prime Mortgage:
At Prime Mortgage, we meticulously adhere to the New Zealand Privacy Act 2020, demonstrating our commitment to the responsible management of your data. To facilitate your loan application and assess your eligibility, we necessitate specific personal and financial information from you. This information is shared with key stakeholders, including Prime, your Financial Adviser, lenders, and essential third parties such as credit reporting agencies, government bodies, regulatory authorities, banks, and non-bank lenders. Should you wish to access or rectify any of the information obtained with your permission, we encourage you to promptly contact us. It's crucial to note that your personal and business information may also be disclosed to professionals like solicitors, accountants, insurance advisers, or valuers upon your request. Additionally, disclosure may occur to prospective purchasers if there is an intention to sell our Financial Adviser business. In compliance with regulatory requirements, information may be shared with entities like the Financial Markets Authority and/or independent compliance reviewers for monitoring or compliance purposes. Moreover, in the event of a dispute, your information may be disclosed to our independent disputes resolution scheme, insurer, product provider, or legal adviser.
We acknowledge the possibility of lawful disclosure of your personal information under Court Orders or Statutory Notices pursuant to taxation laws. Be assured that any material changes to the handling of your information or to the mentioned items, products, or services will be communicated to you via email and/or post. This agreement governing the handling of your information will persist until terminated, requiring a written notice of at least thirty days from either party. By acknowledging this, you confirm that you have read and understood the information pertaining to the Privacy Act 2020, including how your information may be collected, used, stored, and shared.
Privacy Policy & Security
We will collect personal information in accordance with our Privacy Policy. We regard client confidentiality as of paramount importance. We will not disclose any confidential information obtained from or about you to any other person, except in accordance with our Privacy Policy.