Rise Wealth Limited T/A New Zealand Business Finance (www.business.org.nz)
1. About Us
Rise Wealth Limited is a financial services provider company trading as New Zealand Business Finance (www.business.org.nz). We are a provider of mortgage advisory services, assisting individuals and businesses in obtaining residential and commercial mortgage loans and other consumer and business loans.
We are registered as a financial service provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.
2. Nature and Scope of Our Advice
Our business provides financial advice in the form of mortgage and lending advice. We offer services related to:
- Residential mortgages
- Commercial lending
- Refinancing
- First home buyers
- Investment property financing
- Business loans
- Personal Loans
- Motor vehicle finance
Our advice is primarily focused on helping clients select the most appropriate mortgage products, based on their financial circumstances and goals.
We may recommend mortgage products from a range of financial institutions, banks, and non-bank lenders.
3. Remuneration and Fees
Our services are generally provided at no direct cost to you, as we typically receive commission payments from the lenders we recommend to you. The commission varies depending on the lender and the type of mortgage or loan product you choose. The commission we receive is typically paid at the time of settlement of your mortgage loan.
We may also charge you a fee for certain services, such as for more complex or specialized financial advice. The exact fees, if any, will be disclosed to you before any charges are incurred.
We may receive:
- Upfront commission: This is paid to us at the time your loan is settled.
- Trail commission: This is a recurring payment we may receive for the duration of the mortgage.
You are not required to pay for our advice or services unless specified.
4. Conflicts of Interest
We are committed to providing unbiased, independent advice. However, it is important to note that our revenue is influenced by the lenders we work with. As a result, there may be a potential conflict of interest in terms of the products we recommend.
We will always disclose any conflicts of interest to you and ensure that we act in your best interests at all times. If we have any conflicts, we will inform you clearly before giving advice on a product.
5. Dispute Resolution Scheme
If you are not satisfied with the service or advice you receive from us, we are a member of the Financial Services Complaints Limited (FSCL) dispute resolution scheme, which is approved by the Financial Markets Authority. FSCL provides an independent and free service to resolve disputes.
You can contact FSCL at:
Financial Services Complaints Limited
PO Box 5967
Wellington 6145
Email: info@fscl.org.nz
Phone: 0800 347 257
You may also contact us directly to discuss any concerns or complaints:
Rise Wealth Limited T/A New Zealand Business Finance (www.business.org.nz)
Address: 391 Rosebank Road, Avondale, Auckland
Email: info@business.org.nz
Phone: 0800 93 0000
6. Privacy and Confidentiality
We take the protection of your personal information seriously. The information you provide to us will be held securely and used solely for the purposes of providing mortgage and lending advice. We will not disclose your information to third parties unless required to do so by law or as necessary for the services we provide.
Please refer to our Privacy Policy for further details on how we collect, store, and use your personal information.
7. Qualifications and Experience
Our team of advisers are qualified and experienced in mortgage broking and financial services. They hold relevant qualifications and have completed industry-specific training to ensure they meet the standards set out by the Financial Markets Authority (FMA).
We maintain compliance with all relevant professional development and training requirements to ensure that we provide competent and up-to-date advice.
8. Contact Information
For more information about our services, or if you have any questions about the advice we provide, please contact us using the details below:
Rise Wealth Limited T/A New Zealand Business Finance (www.business.org.nz)
Address: 391 Rosebank Road, Avondale, Auckland
Email: info@business.org.nz
Phone: 0800 93 0000