Publicly Available Disclosure

Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice. Bureau Specialised Insurance Agency Limited t/a Mortgage & Insurance Link Hawke’s Bay (FSP389246) is authorised by that licence to provide financial advice.

Link Financial Group 2022 Ltd is the Financial Advice Provider.

You can contact us at:

Phone: 0800 466 784

Email: admin@mortgagelink.co.nz or admin@insurancelink.co.nz

Address: 1/1 Antares Place, Rosedale, Auckland

Mortgage & Insurance Link Hawke’s Bay advisers provide advice about:
• Personal insurance (risk), including health insurance.
• Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
• ACC advice
• Mortgages and personal lending
• Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines).
• Selecting an appropriate lender and mortgage structure.
• How to structure your repayments to pay off your mortgage sooner
• Structuring and refixing your current lending.

We provide advice in relation to the following lending products:
• Mortgages
• Personal Loans
• Tops ups
• Fixed rate rollovers
• Debt consolidation
• Business loans

We provide advice in relation to the following insurance products:
• Life insurance
• Trauma insurance
• Total and permanent disability insurance
• Income Protection insurance
• Mortgage and household expenses cover
• Health/medical insurance

We provide advice in relation to products provided by the following companies:

Main Bank Lenders

ASB  –  ANZ  –  BNZ  –  Kiwibank  –  SBS Bank  –  Westpac

Other Lenders

AIA  –  Arrow Finance  –  ASAP Finance  –  Bank of China  –  Basecorp Finance  –  Bluestone  –  CFML Loans  –  China Construction Bank  –  Cressida Capital  –  DBR  –  Fico Finance  –  First Mortgage Trust  –  Funding Partners  –  General Finance  –  Get Capital  –  Gold Band Finance  –  Heartland Bank  –  ICBC  –  Liberty Finance  –  Link Home Loans  –  Metro Finance  –  Oxford Finance  –  Pallas Capital  –  Peppermoney  –  Pioneer Finance  –  Prospa  –  Resimac  –  Simplify  –  Southern Cross Partners  –  Strata Funding  –  The Co-Operative Bank  –  Unity

Other Partners

Convera  –  XE

Insurance Providers

Accuro Health Insurance  –  AIA  –  Asteron Life  –  Chubb  –  Fidelity Life  –  nib  –  Partners Life  –  Southern Cross Life

Mortgage and lending planning fee
• Mortgage & Insurance Link Hawke’s Bay advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Mortgage & Insurance Link Hawke’s Bay adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Mortgage & Insurance Link Hawke’s Bay at the time your loan is advanced.
• Where a Mortgage & Insurance Link Hawke’s Bay adviser has obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan a fee based on $225 per hour will be charged for time spent seeking an approval and will not exceed $3,000. This fee is payable within 7 days of you deciding not to proceed with an approval

Mortgage and lending service fee.
• Should you proceed with a loan implementation after advice from your Mortgage & Insurance Link Hawke’s Bay adviser, and then repay or refinance your loan within 27 months of your loan being advanced, we will charge you the commission we have had to payback to the lender up to the maximum of $3,000.

Insurance Service Fee
No fees are payable by you for insurance advice. However, if you complete an insurance application and cancel during the application process or within 2 years of the insurance policy being put in place due to any reason that is no fault of Mortgage & Insurance Link Hawke’s Bay or the relevant insurer, I may charge you a service fee of $3,000.

For life insurance and health insurance, Mortgage & Insurance Link Hawke’s Bay and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Mortgage & Insurance Link Hawke’s Bay and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided.

For mortgages and lending, Mortgage & Insurance Link Hawke’s Bay and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The
amount of the commission is based on the amount of the lending; specific remuneration 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 Hawke’s Bay financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.

If you are not satisfied with our financial advice service you can make a complaint by emailing office@mortgagelink.co.nz. You can also write to us at: 195 Dickens Street, Napier 4110. When we receive a complaint, we will consider it using our internal complaints process:

• We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days of receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.
• We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

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 Hawke’s Bay 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:

• give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests (431K)
• exercise care, diligence, and skill in providing you with advice (431L)
• meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice) (431I)
• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

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 https://www.fma.govt.nz.