Disclosure Guide
This guide provides essential information to help you understand the type of advice I can offer, allowing you to make an informed decision when engaging my services. I am a Financial Adviser acting on behalf of NZ Loan Hub Ltd.
Adviser and Contact Information
Full Name: Sheron Prakash
Address: 16 Pangu Way, Mangere
Phone: 02040136802
Email: info@nzloanhub.co.nz
Website: www.nzloanhub.co.nz
FSP Number: 1006842
Licensing Information
NZ Loan Hub Ltd is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice.
FSP Number: 1008515
Nature and Scope of Advice
We offer advice and support tailored to your financial and property goals, including:
Assistance with mortgage and finance approvals
Guidance through the property purchasing process
Advice on loan structuring to meet your financial needs
Financial growth and property investment strategies
Our range of lenders includes
ANZ, ASB, BNZ, Westpac, Co-operative Bank, SBS, Heartland Bank, Liberty Financial, Pepper Money, Resimac, Avanti Finance, and others.
Fees and Expenses
Generally, we do not charge fees for financial advice, as we receive commission from lenders upon loan settlement. However, in cases where commission is unavailable, a one-off fee may apply, agreed upon in advance.
A one-time fee may also apply if the lender “claws back” commission due to early repayment or refinancing.
Commission & Incentives
On loan settlement, we may receive commission from the lender, based on a percentage of the loan amount, which can include both upfront and ongoing commissions. Any additional incentives from lenders, such as gifts or invitations, will not affect the advice we provide.
Conflict of Interest
NZ Loan Hub Ltd is committed to placing your interests first. Any conflicts of interest are managed through a structured advice process to ensure product recommendations align with your goals
Privacy Policy & Security
We respect your privacy. Your personal information is collected, used, and protected per our Privacy Policy, available on our website. Confidential information will only be shared as necessary and with your consent.
Feedback, Complaints Handling, and Dispute Resolution
We welcome your feedback! For any complaints, please contact:
Complaints Manager: Sheron Prakash
Email: info@nzoanhub.co.nz
Phone: 02040136802
Internal Complaints Process:
We will acknowledge your complaint and aim to resolve it promptly. If further investigation is needed, we will inform you of the expected timeline. We aim to resolve all complaints within 10 working days.
External Complaints Process:
If unresolved, you may contact our external disputes resolution scheme, Financial Disputes Resolution Scheme (FDRS), at no cost to you.
Contact FDRS:
Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Website: www.fdrs.org.nz
Adviser Responsibilities
We adhere to the competence, knowledge, and skill standards required by the Code of Professional Conduct for Financial Advice Services, prioritizing your interests and maintaining ethical behavior and diligence.
For further information, please reach out or visit the Financial Markets Authority at www.fma.govt.nz.
