Finance HQ Limited (FSP 629209, trading as Finance HQ) holds a Class 2 licence issued by the Financial Markets Authority (FMA) to provide financial advice.
Finance HQ Limited can give you advice about financial products such as Business Finance, Vehicles, Trucks and Equipment Finance and Consumer Finance. We specialize in sourcing finance for businesses and consumers by understanding their needs and then negotiating on their behalf with multiple financiers.
I can provide you with the following vehicle insurances:
We do not provide advice on mortgages, other insurance or investments.
Any financial advice provided on our behalf will only take account of the information you have given us about your particular needs, financial situation or goals.
Finance HQ has agreements in place with a wide range of product providers and will recommend a suitable provider once we have conducted our analysis of your situation and research on the best product and/or product provider to meet your needs.
Neither Finance HQ Ltd nor I have been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from me or from Finance HQ. As an example, it would include legal proceedings against me, or if I had been discharged from bankruptcy in the last four years.
Finance HQ Ltd, and anyone who gives financial advice on our behalf, have 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.
The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.
For Business Finance, Vehicles, Trucks and Equipment Finance and Consumer Finance, Finance HQ and the financial adviser receive commissions from the various lenders we use.
If you decide to take out a loan, the lender will pay a commission to Finance HQ and your financial adviser. The amount of the commission is calculated through an agreed base rate between the lender and Finance HQ. The advisor will then add a margin above the base rate to reflect the commission paid. The commission paid, is generally between 2% and 4% of the amount borrowed.
Finance HQ charges a broker fee for every deal we process. This fee can vary between $0 and $1000, and is included in your loan structure/repayments. The fee charged relates to providing specialized assistance with sourcing the right finance solutions to meet your needs and objectives. If you do not enter into the credit contract you will not be charged.
Please note the Lender will also have fees and charges relating to the processing of your deal and loading security on the PPSR. All fees and charges will be disclosed to you upfront upon approval from the lender.
To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances.
All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm.
Please click below to review our internal complaints process on our website.
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