Important Information

Who I am

I provide financial advice as an authorised body under Mortgage Design Limited (FSP752291), a Licensed Financial Advice Provider authorised by the Financial Markets Authority (FMA) under the Financial Markets Conduct Act.

Office contact details

Mortgage Design Limited
Address: 44B Rame Road, Greenhithe, Auckland
Phone: 09 873 4613
Email: info@mortgagedesign.co.nz
Website: www.mortgagedesign.co.nz

Nature and scope of financial advice services

The services I provide

• Debt management — including borrowing for personal and investment purposes

Products I can provide financial advice about

• Home loans
• Investment loans
• Construction loans
• KiwiSaver investments
• Managed investments

Product providers I might recommend

Trusted referral partners

• Tower (Fire & General insurance)
• XE Money

In some cases, I may receive a referral fee or commission for connecting you with a referral partner. I will explain how this fee or commission is calculated before proceeding.

Fees

The fees for advice and services depend on the nature and scope of what is provided. I will always discuss and agree on fees with you before beginning any work and clearly explain how payments are made.

Where fees apply, they may be based on a combination of:

• A set dollar amount; or
• A percentage-based fee

The agreed advice and service fees may include charges for:

• Initial advice and ongoing service; or
• Annual advice and services

Other costs

If additional costs arise while providing advice, I will confirm these with you beforehand. I do not charge clients directly for the financial advice itself unless agreed otherwise.

Commissions

On settlement of a loan, I usually receive commission from the applicable lender. The commission is generally upfront, but may also include a trail commission.

I may also receive a fixed-rate rollover fee from the applicable lender if I assist in refixing your loan.

I may also receive a referral fee or commission payment if I refer you to one of the referral partners listed above. I will give you more information about how that referral fee or commission is calculated before proceeding.

Commission ranges

• Upfront commission — a percentage of the value of your loan balance, between 0.55% and 0.85%
• Trail commission — a percentage of the value of your outstanding loan amount, calculated at the end of each month in which you hold the loan, between 0.15% and 0.20%
• Refix fee — some providers pay a fixed rate of $150 if I assist you in re-fixing your loan

When I have to repay commission to the lender

In the event that, in the 28-month period following drawdown of your loan, your loan is fully or partially repaid or the terms materially changed, and a lender requires that I repay the applicable commission to them, we may charge you a one-off fee.

Any such fee would be no more than $3,500 (plus GST, if any) and would be calculated based on a rate of $300 (plus GST, if any) per hour of my time spent providing financial advice to you in connection with the applicable loan. The fee charged to you will not exceed the amount of commission I have to repay to the lender.

Should you choose to use my services and then decide to go directly to any lender or use another adviser, you remain liable for the time involved at the hourly rate. Any collection costs, interest, or late payment fees and charges applicable will be payable by you.

Financial Advisers under Mortgage Design's FAP are paid a flat-rate commission or a base salary (or both) to ensure they seek the best product and lender for the client.

Managing conflicts of interest

I place clients' interests first, though I maintain professional relationships with product providers. From time to time, providers may support conferences or training for advisers under the Mortgage Design FAP.

To manage conflicts of interest, we:

• Follow a clear advice process based on your goals and circumstances
• Recommend products that suit your needs, regardless of commission received
• Provide annual training on managing conflicts
• Maintain registers for conflicts, gifts, and incentives, monitored regularly
• Undergo annual independent compliance assurance reviews

Duties and obligations

As a licensed provider, Mortgage Design (and the advisers operating under its FAP, including JJ) is bound by the Financial Markets Conduct Act to:

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

Complaints process

Internal complaints

If you have a problem, concern, or complaint about any part of my advice or service, please tell me first so I can try to fix the problem.

If we cannot resolve the matter directly, Mortgage Design's internal complaints manager is Clayton D'Lima. He can be reached at complaints@mortgagedesign.co.nz or 021 175 9559. Clayton will reply within 24 to 48 hours.

The internal complaints handling process is:

• Acknowledge your complaint
• Review the information
• Try to come to a resolution

External complaints

If a resolution is not reached internally, or you prefer, you can contact Financial Services Complaints Limited (FSCL) at no cost. FSCL is an independent dispute resolution scheme approved by the Minister of Consumer Affairs.

This disclosure information is current as of May 2026 and may be updated from time to time.