Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Mortgage Link and Insurance Link HB Ltd FSP714551 is authorised by that licence to provide financial advice.
Mortgage Link and Insurance Link HB Ltd advisers provide advice about:
We provide advice in relation to the following lending products:
We provide advice in relation to the following insurance products:
We provide advice in relation to products provided by the following companies
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 Link and Insurance Link HB Ltd 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 Link and Insurance Link HB Ltd 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 Link and Insurance Link HB Ltd 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 Link and Insurance Link HB Ltd 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 firstname.lastname@example.org. 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:
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 email@example.com.
Mortgage Link and Insurance Link HB Ltd 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 https://www.fma.govt.nz