Fees Free Guarantee

We will not charge you a fee as long as you meet the following
3 conditions:

1. You keep your mortgage with the same lender for a minimum of 3 years

If you sell the property, refinance to another lender, or fully repay the loan within 3 years, then we may charge you for any commission that the lender takes back from us. This does not include refixing your loan, this does not affect our commission.

2. Your loan is placed with a New Zealand registered bank
(ASB, ANZ, BNZ, Westpac, SBS, Co-operative, TSB, Kiwibank).

The lender will cover our fees by paying us a commission on your loan. Typically, commissions are between 0.55-0.85% of the total loan amount. It is our strong preference to place you with a NZ registered bank.

If we cannot place your loan with a bank, another option may be non-bank lenders. These lenders do not pay us a commission and therefore we may charge a fee. In this case, any fees would be fully disclosed to you in writing by your adviser and need to be approved by you, the client, in writing.

3. Your loan is for buying a home, investment property, refinancing, or getting a top up on your existing home loan
Other lending, such as commercial or business loans, may incur a fee as lenders do not typically pay us any commission for non-residential loans. Again, this would be confirmed in writing by your adviser, and you, the client, would need to agree to this in writing.