EasyMortgage Disclosure Statement

• Address: 96 Te Wharo Drive, Papamoa
• Business Phone: 0800 124 024
• Email: contact@EasyMortgage.co.nz
• Website: EasyMortgage.co.nz

We help you choose suitable loans and personal insurance from our panel of lenders and insurance providers. We then help you apply for loan approval or insurance cover.

Mortgage:

• Home Loans
• Refinancing & Restructuring Loans
• Investment Property Loans
• Construction & Development Loans
• Business & Commercial Property Loans
• Non-Bank & Alternative Lending Solutions

Insurance:

• Life insurance
• Trauma / critical illness cover
• Total and permanent disability (TPD) cover
• Income protection
• Mortgage repayment protection
• Health insurance

Mortgage Lenders: ANZ, ASB, Westpac, BNZ, Avanti, Liberty, Pepper Money, Prospa, SBS, TSB, ASB Go Home Loans, Unity, The Co-operative Bank and 20+ more second and third tier lenders.

Insurance: AIA, Nib

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 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

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.

We may receive commissions from lenders and insurance providers for the products we arrange.

• Mortgage commissions: Lenders pay us an initial commission or fee when a mortgage settles. In some cases, we also receive ongoing commission calculated as a percentage of the outstanding loan balance.
• Insurance commissions: Insurance providers may pay us an initial commission and ongoing commission for insurance policies we arrange. Insurance commissions are based on the policy premiums.

We prioritise your interests. Our relationships with lenders and insurance providers, including the commissions described above, can create conflicts of interest.

We manage these conflicts through the following measures:

• 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.
• We conduct research to find suitable products and providers that align with your needs.
• RCMK Limited is subject to yearly audits and compliance reviews to ensure we meet our obligations and serve our clients properly.

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 behaviour, conduct, and client care set out in the Code of Conduct.

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.

• Complaints Manager: Ravinder Chahal
• Email:contact@EasyMortgage.co.nz
• Complaints Manager Phone: 027 438 4847
• Acknowledgement: We will acknowledge your complaint within 24 hours. This is an acknowledgement timeframe, rather than a deadline for resolving your 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
  .

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.

• Email:complaints@fscl.org.nz
• Phone: 0800 347 257
• Mailing Address:
   Financial Services Complaints Limited
  PO Box 5967
  Wellington 6140