Disclosure

The purpose of the regulation is to help consumers find a financial advice provider that meets their needs.

A website maintained by a Financial Advice Provider (FAP) is the most common place where this publicly available information should be accessible.

This information must be easy to find, available at all reasonable times, and provided at no cost when requested.

This document serves as the publicly available disclosure for Reliable Mortgages Limited t/a Reliable Financial Group.

Important information about our business

Reliable Mortgages Limited t/a Reliable Financial Group holds a Financial Advice Provider licence issued by the FMA to provide financial advice services.
Financial Services Provider Number: 1003517

Our office contact details

Nature and Scope of Financial Advice Services

Our Services

We provide advice on the following services:

• Mortgages
• Loans
• Personal insurance
• Life cover
• Income protection
• Trauma cover
• Health insurance
• Kiwisaver
• Development loans
• Home loan health checks
• Construction loans

Products We Advise On

We can provide financial advice about the following:

• Home loans
• Investment loans
• Refinance
• Personal or group insurance products
• Life, trauma, disability, and income protection
• Kiwisaver

Product Providers We Work With

We provide advice about home loan and insurance products from the following providers:

ANZ Bank, ASB Bank, BNZ Bank, Westpac, FMT, SBS, Sovereign, Co-op Bank, ASAP, Avanti Finance, Basecorp Finance, Cressida Capital, DBR, Heartland Bank, Liberty, Prospa, Resimac, Southern Cross, Select, XE Money Transfer and many more lenders across NZ.

Our Fees

We charge fees in certain situations.
Fees may apply in situations such as non-solicitation or early repayment of a loan within the clawback timeframe.
Refer to the Adviser Specific Disclosure Statement for full details.

Other Costs

There are no extra client costs.
We do not charge clients additional expenses for the financial advice we provide.

Commissions

We may receive commissions from product providers on the following:

Initial Commission

• Mortgages
• Risk Insurance
• Kiwisaver

Ongoing Commission

• Mortgages
• Risk Insurance
• Kiwisaver

Conflicts of Interest or Incentives

The following apply to our business:

• Training or conference support from product providers: Yes
• CRM or software discounts: No
• Other non monetary benefits: None

How We Manage Conflicts of Interest

To ensure our advisers prioritise client interests:

• We follow an advice process that ensures our recommendations are based on each client’s goals and circumstances.
• All advisers undergo annual training on managing conflicts of interest.
• We maintain registers of conflicts of interest, gifts, and incentives. These are reviewed regularly.
• We undertake an annual independent Compliance Assurance Review.

Our Duties and Obligations to You

We are bound by the duties of the Financial Markets Conduct Act to:

• Meet the standards of competence, knowledge, and skill required by the Code of Conduct
• Give priority to our clients interests
• Exercise care, diligence, and skill
• Meet the standards of ethical behavior, conduct, and client care set out in the Code of Conduct

Our Internal Complaints Process

If you have a problem or complaint, please tell us so we can try to fix it.

Complaints Manager: Ankur Bajaj
Email: ankur@reliablemortgages.co.nz
Phone: 02102354223

Complaints Handling Steps

1. Log all complaints in the Trail system.
2. Record the complaint details immediately.
3. If unresolved within 2 working days, issue a stage 4 acknowledgment.
4. Conduct an initial review and clarify the complaint details and desired resolution.
5. Contact the client if further information is needed.
6. Evaluate any harm or cost incurred and confirm with the client.
7. Provide a proposed resolution.

A complaints register is maintained and updated as required.

Our External Complaints Process

If we cannot resolve your complaint, you can contact our external dispute resolution scheme.
This service is free for clients.

Provider: Financial Services Complaints Limited (FSCL)
Address: Level 4, 101 Lambton Quay, Wellington 6011
Phone: 0800347257
Email: complaints@fscl.org.nz

Privacy Policy Details

Protecting and Storing Personal Information

• We do not store data at any physical location outside our main office.
• All data is stored securely on Trail CRM.

Accessing and Correcting Personal Information

Clients may request access to or correction of their personal information by contacting:
info@reliablemortgages.co.nz

Data Breaches

Privacy Officer contact for data breaches:
Ankur Bajaj
ankur@reliablemortgages.co.nz