Our Duties & Public Disclosure

1. Financial Advice Provider Licence & Registration

Finance and Beyond Limited (NZBN: 9429051632311, FSPR: FSP1010707) is registered on the Financial Service Providers Register and is authorised to provide financial advice services under the Financial Advice Provider (FAP) licence held by:

Financial Adviser Details:
Mr Farook Ketan (FSPR: FSP1008737) is an authorised Financial Adviser providing financial advice on behalf of Finance and Beyond Limited under Finsure NZ Ltd.'s FAP licence.

2. Nature and Scope of Advice

We provide financial advice in relation to residential home loans, investment property lending, construction and turnkey building finance, commercial property loans, business lending, and asset finance.

3. Accredited Lender Panel

We consider products from a panel of accredited New Zealand lenders and finance providers. Our accredited and referral panel includes:

ANZ

ASB

Avanti Finance Personal Lending

Basecorp Finance

BNZ

CFML

Cressida

DBR

First Mortgage Trust

GEM

Latitude

Heartland

Kiwibank

Liberty

NWC

Pallas

Pepper Money

Prospa

SBS Bank

Southern Cross Bank

The Co-Operative Bank

Our panel does not include every lender operating in New Zealand. Accreditations are reviewed regularly.

4. Fees, Expenses, and Costs

In most standard residential mortgage transactions, we do not charge clients a direct fee for our advice. Instead, the lender pays us a commission upon loan settlement.

A client fee may apply under specific circumstances, including:

• Complex commercial or business loan applications requiring specialized structuring.
• Short-term, private, or non-bank lending arrangements where no lender commission is payable.
• If a settled loan is repaid or refinanced within a short period (typically 24 months) resulting in a lender commission clawback.
• Third-party costs such as valuation fees, legal costs, LIM reports, or credit checking expenses, which are paid directly by the client to third-party providers.

Any applicable fees will be fully disclosed and agreed upon in writing before any work is undertaken.

5. Commissions & Remuneration

For residential mortgage lending, product providers pay Finance and Beyond Limited a commission upon loan settlement. This typically consists of:

• Upfront Commission: A percentage of the total loan amount paid upon settlement (typically between 0.50% and 0.85% of the loan value).
• Trail Commission: An ongoing percentage of the remaining loan balance paid monthly (typically between 0.15% and 0.20% per annum), where applicable.

Specific commission details will be provided in writing as part of your personalized advice statement.

6. Conflicts of Interest & Management

To ensure that our financial advisers prioritize your interests above all else:

• We follow an advice process that matches loan products to your specific objectives, cash flow, and long-term requirements.
• Our advisers undergo regular compliance training and peer reviews.
• We maintain a transparent conflict register and fully disclose any potential conflicts or referral benefits before completing an application.

7. Complaints Handling & Dispute Resolution

If you are dissatisfied with our service, we are committed to resolving your concerns promptly and fairly through our internal complaints process.