Publicly Available Disclosure Disclaimer – Financial Literacy New Zealand t/a Journey Mortgages

Licensing Information

Journey Mortgages (FSP[1010697]) is a Financial Advice Provider.

Journey Mortgages is licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice services.

You can view our registration and licence details by searching “FSP 1010697” on the Financial Service Providers Register (FSPR).

Nature and Scope of Advice

We provide financial advice in relation to Mortgages.

We may recommend products from some or all of the following lenders or product providers:

If we can only provide advice on certain providers or product types, this will be explained before we proceed with our advice.

ANZ	Westpac	BNZ
Kiwibank	ASB	Cressida Capital
SBS	First Mortgage Trust	Heartland Bank
Avanti Finance	Pepper Money	TSB
Basecorp Finance	DBR	Liberty Financial
The Co-operative Bank	CFML	Southern Cross Partners
Prospa	Finbase	Funding Partners
General Finance	Pallas Capital	GEM By Latitude
Odin	Tower Insurance	GoHome Loans

Fees and Expenses

We may charge a fee for providing financial advice or arranging a loan.

If a fee applies, we will tell you the amount (or how it will be calculated), when it will be payable, and include this in our written disclosure before we proceed.

Conflicts of Interest and Commissions

We may receive commissions from product providers if you proceed with a loan or product we recommend.

The amount and type of commission depend on the provider and product type. This will be disclosed in writing before you act on our advice.

We follow Finsure NZ’s Conflicts of Interest Policy and maintain registers of conflicts, gifts, and incentives.

We prioritise our clients’ interests by following a robust advice process, undergoing regular training, and participating in Finsure’s ongoing compliance and assurance programme.

Complaints and Dispute Resolution

If you have a complaint about our financial advice or service, please contact us first so we can address it promptly.

Contact:

Journey Mortgages

3/24 Dublin Street, Christchurch Central City, Christchurch 8013

0221320373

[email protected]

journeymortgages.co.nz

We will acknowledge your complaint within two business days and aim to resolve it within ten working days.

If we cannot reach a resolution, you may refer your complaint to our external dispute resolution scheme (DRS):

Phone: 0800 347 257

Email: [email protected]

Address: PO Box 5967, Wellington 6140

Website: Complaint Form | Financial Services Complaints Ltd

Our Duties

As a Financial Advice Provider authorised under Finsure New Zealand Limited’s licence, we and our advisers have legal duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services.

These duties require us to:

Give priority to your interests when providing financial advice.
Exercise care, diligence, and skill at all times.
Meet the competence, knowledge, and skill standards set out in the Code.
Comply with the ethical behaviour, conduct, and client-care standards required by the Code.