Publicly Available Disclosure

Our  Services

• Investments strategies (strategic asset allocation and investing)
• KiwiSaver investment strategies
• Debt management (including borrowing for personal and investment purposes)

Products  we can provide financial advice about:

• KiwiSaver investments
• Managed investments
• Loans including mortgages, reverse mortgages   and deposit bonds

‍

Mortgages: AIA Go Home Loans, ANZ, BNZ, ASB, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, Unity, Avanti Finance, Basecorp, Pepper Money, CFML Ltd, China Construction Bank, Bank of China, Nelson Building Society, First Mortgage Trust, Cressida Capital, Bluestone Home Loans, DBR Property Financiers, Heartland Bank, Finbase, ICBC, Zurix, Go Lend, MB Private, Liberty, Line Capital, Lendr, Plus Finance, Pallas Capital, Prospa, Funding Partners, Bizcap, ASAP Finance, Vincent Capital, Scotpac Business Finance, Southern Finance Partners, Welcome, Xceda.

KiwiSaver: ANZ Investments, Milford Assets, Fisher Funds, Koura, Pathfinder, Generate, Booster.

‍

(Fees-Free Guarantee Policy) Typically, we do not charge a fee for our services where the product provider pays us a commission. Below is our fees-free guarantee policy. If all three conditions are met, there will be no fee charged to you by us.

1. You keep your mortgage with the same lender for a minimum of 3 years If you sell the property, refinance to another lender, or fully repay the loan within 3 years, the lender may claw back the commission they paid us. If this occurs, we may charge you a fee for the time spent on your application. This fee is calculated at an hourly rate of $150, for a maximum of 20 hours (capped at $3,000). The total fee charged will never exceed the original commission amount we received from the lender. Refixing your loan with the same lender does not affect our commission and will not incur this fee.

2. Your loan is placed with a New Zealand registered bank The lender will cover our fees by paying us a commission on your loan. It is our strong preference to place you with an NZ registered bank (such as ASB, ANZ, BNZ, Westpac, SBS, The Co-operative Bank, TSB, or Kiwibank). If we cannot place your loan with a bank, another option may be non-bank lenders. Some of these lenders do not pay us a commission, meaning we may need to charge a fee. In this case, any fees would be fully disclosed to you and require your written approval before proceeding.

3. Your loan is for residential lending This includes buying a home, an investment property, refinancing, or getting a top-up on an existing home loan. Other lending, such as commercial or business loans, may incur a fee as lenders do not typically pay us a commission for non-residential loans. Again, this would be confirmed in writing, and you would need to agree to this in writing beforehand.

‍

Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree upon all additional costs with you prior to incurring them.

For services in relation to investments and loan products, commissions may be paid by the product provider as follows:

• Mortgages (Initial Commission): A percentage of the loan balance ranging from 0.55% to 0.90%
• Mortgages (Ongoing Trail): A percentage of the outstanding loan amount ranging from 0.00% to 0.20%, usually calculated at the end of each month.
• KiwiSaver (Initial Commission): An upfront payment of up to $250 upon joining the scheme, depending on the size of your contributions within the first 12 months.
• KiwiSaver & Managed Funds (Ongoing Trail): A percentage of your investment balance ranging from 0.05% to 0.50%, usually calculated at the end of each month.

We are here for our clients and to advise you as best we can. Your interests are our priority, although we do have business relationships with product providers.

From time to time, our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.

To ensure our advisers prioritise our clients’ interests:

• We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
• All our advisers undergo annual training about how to manage conflicts of interest.
• We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
• We undertake an annual independent Compliance Assurance Review.

‍

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

• Meet the standards of competence, knowledge and skill set out in the Code of Conduct
• Give priority to the clients’ interest and
• Exercise care, diligence and skill and
• Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

Reliability History Neither AJP Financial Limited nor its advisers have been subject to any material reliability events, disciplinary actions, or bankruptcy proceedings.

Privacy and Data Security We manage all client information in strict accordance with the New Zealand Privacy Act 2020. Please refer to our full Privacy Policy on our website for details on how we collect, store, and protect your personal information.

If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our internal complaints manager is Andrew Palliser, who can be reached via email at [email protected] or 028 8517 4720.

When we receive a complaint, we will acknowledge it within 24 hours. We will document your concerns, evaluate how they can be resolved, and may contact you to clarify any details. We will look to resolve your complaint internally and will communicate our proposed resolution to you within 15 working days

‍

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme, Financial Services Complaints Limited (FSCL). This service will cost you nothing and will help us resolve any complaints. Our FSCL membership number is 9054.

You can contact FSCL at:

• Address: PO Box 5967, Wellington, 6140
• Phone: 0800 347 257
• Email: [email protected]

‍