Disclosure

This document sets out important information about the financial advice service provided by Marg Mortgages Ltd (FSP772654). It is important that you read it carefully to ensure you understand it. Please contact your Marg Mortgages adviser if you have any queries.

Licensing Information

Marg Mortgages Ltd (FSP772654) hold a licence issued by the Financial Markets Authority to provide financial advice.

Geeta Gupte (FSP680231) is licensed and works as a financial adviser under Marg Mortgages Ltd.

The following company is authorised under the Marg Mortgages Ltd licence to provide financial advice:

• Geeta Gupte – individual

To view our registration and licence, visit the Financial Service Providers Register: https://fsp-register.companiesoffice.govt.nz and search FSP772654.

Nature and Scope of Our Financial Advice Service

Marg Mortgages provides advice about mortgages. We only provide financial advice about products from selected providers.

We work with the following lenders:

Fees or Expenses

The actual fee charged depends on the nature and scope of the advice or service provided.

For loan products and insurance, commissions may be paid by the product provider:

• Initial commission: A percentage of the loan amount or insurance premium. Upfront mortgage commission ranges from 0.55% to 0.88%.
• Ongoing commission: A percentage of the loan balance or insurance premium, typically 0.15%–0.25% p.a.

Other Costs

Additional costs such as travel or photocopying may apply, but these will always be agreed with you beforehand.

Conflicts of Interests

To ensure your interests are prioritised, Marg Mortgages Ltd operates a robust framework of policies and procedures. Advisers undergo annual compliance reviews and training, and registers of conflicts, gifts, and incentives are maintained and monitored.

Complaints and Dispute Resolution

If you are not satisfied with our service, please contact us. We will investigate your concerns promptly and fairly.

You may contact your adviser directly or email us at geeta@margmortgages.co.nz.

We aim to respond within 10 working days. If more time is required, we will notify you and provide an estimated timeframe.

You must contact FSCL within 3 months of receiving our decision letter.

You may also contact the Financial Markets Authority (FMA):

Marg Mortgages Ltd’s Duties to You

We have duties under the Financial Markets Conduct Act 2013, including:

• Giving priority to your interests
• Exercising care, diligence, and skill
• Meeting competence, knowledge, and skill standards
• Meeting ethical behaviour and client care standards

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