Licensing information
Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Top Finance Limited (FSP1001347) is authorised by that licence to provide financial advice.
Contact Details
Link Financial Group Ltd trading as Mortgage Link and Insurance Link is the Financial Advice Provider.
You can contact us at:
Phone: 0800 466 784
Email: [email protected]
Address: 1 / 1 Antares Place, Rosedale, Auckland
Nature and scope of advice
Top Finance Limited advisers provide advice about:
We provide advice in relation to the following lending products:
We provide advice in relation to products provided by the following companies:
We do not provide financial advice service related to:
You will need to consult appropriate specialists if you would like advice on above.
Fees and expenses
Mortgage and lending planning fee
Mortgage and lending service fee
Conflicts of interest
For mortgages and lending, Top Finance and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Top Finance financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.
Disputes and complaints
If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling 021 373 170. You can also write to us at: PO Box 2119 Shortland Street, Auckland 1010. When we receive a complaint, we will consider it using our internal complaints process:
Duties information
Top Finance, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Top Finance Limited (FSP1001347) is authorised by that licence to provide financial advice.
Contact Details
Link Financial Group Ltd trading as Mortgage Link and Insurance Link is the Financial Advice Provider.
You can contact us at:
Phone: 0800 466 784
Email: [email protected]
Address: 1 / 1 Antares Place, Rosedale, Auckland
Nature and scope of advice
Top Finance Limited advisers provide advice about:
- Mortgages and personal lending
- Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines).
- Selecting an appropriate lender and mortgage structure.
- How to structure your repayments to pay off your mortgage sooner
- Structuring and refixing your current lending.
We provide advice in relation to the following lending products:
- Mortgages
- Personal Loans
- Tops ups
- Fixed rate rollovers
- Debt consolidation
- Business loans
We provide advice in relation to products provided by the following companies:
- ANZ Bank New Zealand Limited
- Avanti Finance Limited
- Basecorp Finance Limited
- Bluestone Mortgages NZ Limited
- Bank of New Zealand
- China Construction Bank (New Zealand) Limited
- DBR Limited
- First Mortgage Managers Limited
- General Finance Limited
- Heartland Bank Limited
- Industrial and Commercial Bank of China (New Zealand) Limited
- Credit Union Baywide
- Pepper New Zealand Limited
- Resimac Financial Securities Limited
- Southland Building Society
- AIA Services New Zealand Limited
- Westpac New Zealand Limited
- TSB Bank Limited
- The Co-operative Bank Limited
- Cressida Capital One Limited
- ASAP Finance Limited
- Liberty Financial Limited
- Funding Partners Limited
- Southern Cross Finance Limited
- Bank of China (New Zealand) Ltd
- Gold Band Finance Limited
- Zip Business Finance
- Apricity Finance
We do not provide financial advice service related to:
- Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
- Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description).
- General Insurance products; and
- Personal Risk Insurance products.
You will need to consult appropriate specialists if you would like advice on above.
Fees and expenses
Mortgage and lending planning fee
- Top Finance advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, Top Finance adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Top Finance at the time your loan is advanced.
- Where a Top Finance adviser has obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan, a fee of up to $1,000 will be payable as remuneration for the time spent on getting an approval. This fee is payable within 7 days of you deciding not to proceed with an approval.
Mortgage and lending service fee
- Should you proceed with a loan implementation after advice from your Top Finance adviser, and then repay or refinance your loan within two years of your loan being advanced, without giving your Top Finance adviser the opportunity to assist you with a refinance, Top Finance may charge you a fee of up to $1,500.
Conflicts of interest
For mortgages and lending, Top Finance and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Top Finance financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.
Disputes and complaints
If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling 021 373 170. You can also write to us at: PO Box 2119 Shortland Street, Auckland 1010. When we receive a complaint, we will consider it using our internal complaints process:
- We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
- We aim to resolve complaints within 10 working days of receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.
- We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
Duties information
Top Finance, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
- Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests (431K)
- Exercise care, diligence, and skill in providing you with advice (431L)
- Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice) (431I)
- Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).