Link Financial Group 2022 Limited (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice.
Central Mortgage & Insurance Limited (FSP1005715) is authorised by that licence to provide financial advice.
Our advisers provide advice about:
We provide advice in relation to the following lending products:
We provide advice in relation to the following insurance products:
Generally, we do not charge you a fee for our services. This is because our advisers are usually remunerated by way of commission by the providers of loan, insurance, or KiwiSaver products we recommend. However, there are some situations where fees may apply.
Any fees relating to advice that may apply will be discussed and agreed with you prior to implementing your advice. Where a fee is charged, you will be issued with an invoice. This will be payable within 14 days or as otherwise agreed to with your adviser.
If you are not satisfied with our financial advice service you can make a complaint by emailing complaints@lfg.co.nz, or by calling 0800 466 784. You can also write to us at: 1/1 Antares Place, Rosedale, Auckland. When we receive a
complaint, we will consider it using our internal complaints process:
If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Disputes Resolution Scheme (FDRS). FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction. You can contact FDRS by phone 0508 337 337 or email enquiries@fdrs.org.nz.
Mortgage & Insurance Link and our advisers receive commissions from some of the lenders, insurers, and KiwiSaver providers that we recommend. For lending, the amount of commission is based on the amount of the lending and will vary depending on the lending provider. For insurances, the amount of commission is based on the
amount of premium associated with your cover and may vary depending on the insurer. Specific commissions will be advised to you when advice is provided.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us.
Mortgage & Insurance Link financial advisers complete regular training, including how to man-age conflicts of interest. Each adviser has a regular compliance review of their advice process.
Mortgage & Insurance Link, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at www.fma.govt.nz
