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Lending HQ > Disclosure

Disclosure

Important Information About Our Business

Who we are

Lending HQ Limited is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services.

Financial Services Provider Number: 1005259

Our Office Contact Details

Nature and Scope of Financial Advice Services

  • Mortgages (Residential and Commercial) & Business Lending

Product Providers We Might Recommend

Lending:

ASB, Westpac, ANZ, BNZ, Co-operative Bank, AIA Go Home Loans, Avanti, SBS, TSB, ASAP Finance, Basecorp, Cressida Capital, DBR, First Mortgage Trust, Funding Partners CFML, Heartland Bank, Unity, Plus Finance, Prospa, Southern Cross Partners.

Our Fees

Lending HQ Limited may receive a commission from the lender if you choose to follow the advice and proceed with the loan.

If you cancel or refinance your mortgage within 27 to 36 months of settlement, Lending HQ Limited reserves the right to charge a fee for the financial advice provided.

Fee formula:
$2,500 for 10 hours of work, calculated at an hourly rate of $250.

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 on all additional costs with you prior to incurring them.

Commissions

Lending HQ Limited receives commissions from the lender upon mortgage settlement, if you decide to proceed with the loan.

Typical commission ranges:

  • Initial commission: 0.55% to 0.85% of the mortgage balance
  • Ongoing trail commission: 0.15% to 0.20% annually on the mortgage balance

Conflicts of Interest or Other Incentives

We are here to prioritise your interests, though we do have relationships with product providers.

From time to time, providers may assist with:

  • Funding adviser training or conferences
  • Subsidised software (e.g., CRM systems)

How We Manage Any Conflicts of Interest

To ensure client interests are prioritised:

  • We follow an advice process based on your goals and circumstances
  • All advisers receive annual training in conflict management
  • We maintain registers of conflicts, gifts, and incentives (monitored regularly)
  • We undertake an annual independent Compliance Assurance Review

Our Duties and Obligations to You

Under the Financial Markets Conduct Act (Sections 431I–431M), we must:

  • Meet the competence, knowledge, and skill standards set by the Code of Conduct
  • Give priority to your interests
  • Exercise care, diligence, and skill
  • Meet the ethical behaviour, conduct, and client care standards of the Code

Our Internal Complaints Process

If you have a concern or complaint, please let us know so we can try to fix the problem.

Complaints Manager: Glen Almeida – Mortgage Advisor – Lending HQ
Email: glen@lhq.co.nz
Glen will respond within 2 working days.

Process:

  1. Email your complaint to glen@lhq.co.nz
  2. We will acknowledge your complaint within 2 business days
  3. We aim to resolve complaints within 10 working days

Our External Complaints Process

If we can’t agree on a resolution or if you don’t want to use our internal process, you can contact our external dispute resolution scheme:

Financial Services Complaints Limited (FSCL).
This is a free, independent service.

Contact FSCL:

Lending HQDisclosure