Finance HQ Limited is a New Zealand owned business. We value all of our customers and we really appreciate your support.

Our vision is to become NZ’s most trusted asset finance brokerage. We partner with several lenders to offer our customers access to sharper interest rates and better customer service. By being a NZ owned business, we also keep our profits here in NZ.

The information provided in this disclosure document is important.

Licence status and conditions

Finance HQ Limited (FSP 629209, trading as Finance HQ) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice.

Nature and scope of the financial advice given.

Finance HQ Limited can give you advice about financial products such as Business Finance, Vehicles, Trucks and Equipment Finance and Consumer Finance. We specialise in sourcing finance for businesses and consumers by understanding their needs and then negotiating on their behalf with multiple financiers.

We do not provide advice on mortgages, 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.

Our duties

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:

give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
exercise care, diligence, and skill in providing you with advice
meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).

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.

How we get paid

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.

Fees and charges

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.

How we manage conflicts of interest and/or incentives

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.

Internal complaints process

Please click below to review our internal complaints process on our website.

Complaints Process