Disclosures

Our advice service

Easyfinance gives advice about mortgages and home lending: buying a first home, and refinancing or restructuring an existing loan. When we make a recommendation, we compare a panel of 14+ banks and non-bank lenders and recommend the options we believe best fit your situation.

How we’re paid

When a loan we arrange settles, the lender pays us a commission. Because of this, our service usually costs you nothing.

In some specialist lending situations a client fee may apply. If it does, we’ll tell you what it is and get your agreement before any work starts, so you’ll never be surprised by a fee after the fact.

Our duties

Easyfinance operates as Easy Financial Limited, a registered Financial Advice Provider (FSP1013518). Our New Zealand Business Number is 9429053933539. You can check our registration on the Financial Service Providers Register.

When we give you advice, we have duties under the law. In plain language: we must meet standards of competence, knowledge and skill; we must exercise care, diligence and skill in the advice we give; and we must give priority to your interests when there’s any conflict with our own.

Conflicts of interest

Because lenders pay us commission, there is a potential conflict of interest in the advice we give. We manage this by recommending from across our whole panel based on what fits your situation, not on what any particular lender pays us. We’ll always be open with you about how we’re paid on your loan.

Complaints & disputes

If you’re not happy with our service, please tell us. Our complaints page explains how. If we can’t resolve your complaint between us, we’re a member of Financial Services Complaints Ltd (FSCL), an approved dispute resolution scheme that is free for consumers to use.

A full written disclosure is available on request. Call us on 0800 000 000 or email hello@easyfinancial.co.nz and we’ll send it through.