EasyMortgage Disclosure Statement

Our Services

We will help you choose a loan that is suitable for your purpose from a panel of lenders. Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval.

Products We Provide Financial Advice About:

• Home Loans

• Refinancing & Restructuring Loans

• Investment Property Loans

• Construction & Development Loans

• Business & Commercial Property Loans

• Non-Bank & Alternative Lending Solutions

Product Providers We Might Recommend:

(TBC – To be confirmed)

Our Fees

The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable.

The types of fees that may apply:

• The fees charged for our advice and services may be based on:

  • A set dollar amount OR

  • A percentage-based fee

• Our agreed advice and service fees may include charges for:

  • Initial advice

  • Ongoing or annual advice and services

Other Costs

If other costs are incurred while providing our advice and services, you will be liable for these costs. However, we will agree on all additional costs with you prior to incurring them. In some cases, we do not charge clients fees, expenses, or any other costs directly for the financial advice we provide.

Commissions

For services related to insurance, investments, or loan products, commissions may be paid by the product provider as follows:

• Initial Commission: A commission or a fee is paid by lenders when a mortgage settles.

• Ongoing Commission: In some cases, a percentage of the value of your outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the loan.

Conflicts of Interest or Other Incentives

We prioritize our clients’ interests; however, we do have business relationships with product providers.

• We are paid a commission or a fee by the lenders when a mortgage settles, and in some cases, on a per-annum basis.

• We ensure that we prioritize your interests by following an advice process that considers your circumstances and goals.

• We conduct research to find suitable products and providers that align with your needs.

• We undergo annual training on managing conflicts of interest and maintain a register of any potential conflicts.

• RCMK Limited is subject to yearly audits and compliance reviews to ensure we meet our obligations and serve our clients properly.

How We Manage Conflicts of Interest:

To ensure our advisers prioritize our clients’ interests:

• We follow a structured advice process that ensures our recommendations are appropriate based on clients’ goals and circumstances.

• All our advisers undergo annual training on managing conflicts of interest.

• We maintain registers of conflicts of interest, gifts, and incentives received, which are monitored 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 (431I, 431K, 431L, and 431M) to:

• Meet the standards of competence, knowledge, and skill set out in the Code of Conduct.

• Give priority to the 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, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.

Contact Our Complaints Manager:

• Complaints Manager: Ravinder Chahal

• Email: contact@EasyMortgage.co.nz

• Phone: 027 438 4847

• Response Time: We will reply within 24 hours.

How to Submit a Complaint:

• By logging into the Trail Client Portal and clicking the “Make a Complaint” button at the bottom right of the page.

• By contacting your adviser directly.

• By emailing our internal complaints manager at contact@EasyMortgage.co.nz.

Our External Complaints Process

If you are not satisfied with how we addressed or resolved your complaint, you can contact the Financial Services Complaints Limited (FSCL). They are an independent dispute resolution service that is free to use and will help resolve any outstanding complaints.

Contact FSCL:

• Email: complaints@fscl.org.nz

• Phone: 0800 347 257

• Mailing Address: Financial Services Complaints Limited
  PO Box 5967
  Wellington 6140