 "Mortgage Simplified with LENDI.")
OUR Disclosure
last updated DEC 2025
Financial Advice Provider Disclosure Statement
This statement provides important information about the financial advice services provided by Lendi Financial Limited (FSP1006898), a licensed Financial Advice Provider regulated by the Financial Markets About Lendi:Lendi Financial Limited is a New Zealand–owned Financial Advice Provider authorised to provide regulated financial advice on mortgage lending. We help clients understand lending options, secure suitable loan structures, and make informed decisions with confidence. Lendi Financial | Registered Mortgage Adviser | FSPR: 1006898Phone: 020 444 777 0Email: kam.azami@lendi.nz Website: www.lendi.co.nz
Vision and ValuesOur mission is to empower individuals and families to achieve financial stability through clear, tailored guidance. We value integrity, transparency, and client-first service, ensuring all advice supports your goals and best interests.
Our Job:We are dedicated to finding the best deal for you, providing personalized advice that aligns with your unique financial goals.
Nature and Scope of Our Advice:We provide regulated financial advice on mortgage lending and business lending only. For insurance, investment matters, personal loans, or asset finance, we can refer clients to trusted specialists.
1. Home Loan AdviceWe assist clients in securing home loans tailored to their financial situation, including:- First-home buyer mortgages - Refinancing and fixed-rate rollovers - Property investment loans - Debt consolidation through mortgage restructuring - Construction and renovation loans - Bridging loans - Home loan top-ups - Refixing home loans - Development loansOur advice is based on a panel of banks and non-bank lenders, ensuring we find a loan that best meets your needs.
2. Business and Commercial LendingWe provide advice on business and commercial lending solutions, including:- Commercial property loans- Business expansion and working capital finance- Asset and equipment financingWe work with selected commercial lenders to provide funding solutions tailored to business needs.
3. Personal LendingWe offer financial advice on:- Personal loans (vehicle, travel, debt consolidation)- Short-term loans via specialist lenders 4. Insurance AdviceInsurance and investment advice sit outside the scope of our services. For insurance (life, trauma, income protection, house & contents), we can refer you to our insurance adviser. For investments (KiwiSaver, shares, or managed funds), we can refer you to licensed investment adviser firms. Legal and tax advice are also provided by independent specialists where required.
5. How We Provide AdviceOur financial advice process includes:- Understanding your needs – Assessing your financial situation and goals.- Research and analysis – Reviewing available options based on lenders or insurers we work with.- Presenting recommendations – Providing personalized advice based on your best interests.- Ongoing support and regular mortgage reviews – Assisting with applications and approvals. 7. Use of Website Chatbot Our website chatbot provides general information only and does not constitute financial advice. It is designed to assist with common questions and guide you to relevant information about our services. For personalized lending or financial advice, please contact a licensed adviser through our contact page. We are committed to delivering transparent, ethical, and client-first financial advice, ensuring you receive the best possible guidance for your situation.
Services We Provide:Lendi will assist you in choosing a loan that is suitable for your purpose from a panel of trusted lenders, ensuring that you receive the most beneficial and appropriate financial solution for your needs. Banks & Lenders We Work With:ANZ • Westpac • BNZ • ASB • Kiwibank • TSB • The Co-operative Bank • SBS BankAIA Go Home Loans • Avanti Finance • Basecorp Finance • Pepper Money • Liberty Finance • Cressida Capital • General Finance • ASAP Finance • Bizcap • Unity • Funding Partners • Lending People • Heartland Bank • First Mortgage Trust • Vincent Capital • Prospa • GEM Finance (Personal Loans)
This statement provides important information about the financial advice services provided by Lendi Financial Limited (FSP1006898), a licensed Financial Advice Provider regulated by the Financial Markets About Lendi:Lendi Financial Limited is a New Zealand–owned Financial Advice Provider authorised to provide regulated financial advice on mortgage lending. We help clients understand lending options, secure suitable loan structures, and make informed decisions with confidence. Lendi Financial | Registered Mortgage Adviser | FSPR: 1006898Phone: 020 444 777 0Email: kam.azami@lendi.nz Website: www.lendi.co.nz
Vision and ValuesOur mission is to empower individuals and families to achieve financial stability through clear, tailored guidance. We value integrity, transparency, and client-first service, ensuring all advice supports your goals and best interests.
Our Job:We are dedicated to finding the best deal for you, providing personalized advice that aligns with your unique financial goals.
Nature and Scope of Our Advice:We provide regulated financial advice on mortgage lending and business lending only. For insurance, investment matters, personal loans, or asset finance, we can refer clients to trusted specialists.
1. Home Loan AdviceWe assist clients in securing home loans tailored to their financial situation, including:- First-home buyer mortgages - Refinancing and fixed-rate rollovers - Property investment loans - Debt consolidation through mortgage restructuring - Construction and renovation loans - Bridging loans - Home loan top-ups - Refixing home loans - Development loansOur advice is based on a panel of banks and non-bank lenders, ensuring we find a loan that best meets your needs.
2. Business and Commercial LendingWe provide advice on business and commercial lending solutions, including:- Commercial property loans- Business expansion and working capital finance- Asset and equipment financingWe work with selected commercial lenders to provide funding solutions tailored to business needs.
3. Personal LendingWe offer financial advice on:- Personal loans (vehicle, travel, debt consolidation)- Short-term loans via specialist lenders 4. Insurance AdviceInsurance and investment advice sit outside the scope of our services. For insurance (life, trauma, income protection, house & contents), we can refer you to our insurance adviser. For investments (KiwiSaver, shares, or managed funds), we can refer you to licensed investment adviser firms. Legal and tax advice are also provided by independent specialists where required.
5. How We Provide AdviceOur financial advice process includes:- Understanding your needs – Assessing your financial situation and goals.- Research and analysis – Reviewing available options based on lenders or insurers we work with.- Presenting recommendations – Providing personalized advice based on your best interests.- Ongoing support and regular mortgage reviews – Assisting with applications and approvals. 7. Use of Website Chatbot Our website chatbot provides general information only and does not constitute financial advice. It is designed to assist with common questions and guide you to relevant information about our services. For personalized lending or financial advice, please contact a licensed adviser through our contact page. We are committed to delivering transparent, ethical, and client-first financial advice, ensuring you receive the best possible guidance for your situation.
Services We Provide:Lendi will assist you in choosing a loan that is suitable for your purpose from a panel of trusted lenders, ensuring that you receive the most beneficial and appropriate financial solution for your needs. Banks & Lenders We Work With:ANZ • Westpac • BNZ • ASB • Kiwibank • TSB • The Co-operative Bank • SBS BankAIA Go Home Loans • Avanti Finance • Basecorp Finance • Pepper Money • Liberty Finance • Cressida Capital • General Finance • ASAP Finance • Bizcap • Unity • Funding Partners • Lending People • Heartland Bank • First Mortgage Trust • Vincent Capital • Prospa • GEM Finance (Personal Loans)
Limitations on Advice:While we can provide comprehensive advice on various financial products, there are certain areas where Our expertise is not applicable:- We cannot offer advice on the use of your Kiwi Saver retirement fund(s) or funding your home purchase. For these matters, we recommend consulting a specialized Financial Adviser with expertise in investment planning.
- We do not provide regulated financial advice on insurance products such as life, health, income protection, or house and contents insurance. However, we can refer you to our certified insurance adviser for specialist advice if required.- Legal or tax advice is outside the scope of our services. It is advisable to seek guidance from a solicitor or accountant for such matters.
- Non-Panel Lenders: Our recommendations are limited to the banks and lenders with whom we hold accreditation. We cannot advise on products from providers outside this panel.
Referrals to Other Professionals:Should the need arise for the expertise of another professional during our engagement, we will refer you to the appropriate professional directly. This may include legal, accounting, or tax advice. Our advisers follow strict compliance measures to prioritize client's needs over any financial incentives. Full transparency is maintained, and we are happy to provide further clarification on how this incentive works upon request. Our Commitment to YouAs your Financial Adviser, we are fully committed to upholding the highest standards of service and integrity. Our obligations to you include:
- Adherence to Professional Standards: We strictly follow the Code of Professional Conduct for Financial Advice Services.- Compliance with Legal Requirements: We meet all legal duties as prescribed by law.- Continuous Professional Development: We maintain and enhance our competence, knowledge, and skills to serve you better.- Acting in Your Best Interest: Your needs are our priority, and we always act in your best interests.- Providing Tailored Advice: We deliver financial advice that is specifically suited to your individual circumstances.- Clarity and Understanding: We ensure that you fully comprehend the advice process, including any complex terminology.- Exercise of Care and Diligence: We apply the utmost care, diligence, and skill in all our financial adviser services.- Written Financial Advice: We provide all financial advice in clear and accessible written form.- Accuracy and Security: We maintain accurate records and ensure they are kept secure.- Confidentiality: We guarantee the confidentiality of your personal information at all times.
We also adhere to duties outlined in the Financial Markets Conduct Act 2013.
Your Obligations:To facilitate the advisory process, it is crucial that you provide accurate and timely information. Additionally, you are responsible for notifying me of any significant matters or changes that may impact the lender's decision.
Timeframes and Ongoing Services:Our initial financial advice meeting may require one to two hours, and subsequent meetings may be necessary for the entire application and advice process. We will periodically check in to see if your circumstances have changed and if you need further assistance. Feel free to contact me if your situation evolves or if you require adjustments to your loan.
Fees and Costs:Main Bank Home Loans ✔ No fees — we are paid by the lender once your loan settles. Specialist or Non-Bank Loans A fee may apply due to the additional work involved. Any fee will be: - Disclosed upfront - Agreed in writing before you proceed - Transparent and fixed Referral Fees We may pay or receive referral fees when referring clients to or from trusted partners. All referral arrangements are disclosed upon request. Supporting Starship FoundationAt Lendi Financial, we are committed to giving back to our community. That's why we proudly contribute a percentage of our earnings from every loan we process towards the Starship Foundation. Your choice to work with us not only helps you achieve your financial goals but also supports the health and well-being of children across New Zealand. Together, we can make a difference.
Conflict of interests and Commissions:When your loan settles, we usually receive a commission from the lender. This may include: - Upfront commissions - Trail commissions - Fixed-rate rollover payments We manage potential conflicts by: - Prioritising your best interests at all times - Comparing multiple lender options - Recommending the most suitable loan, not the highest-paying lender - Disclosing any commissions or incentives Your interests always come first. Below is a table outlining the commission rates and types offered by each product provider. Our commission on loans is based on a percentage of the total loan amount:
Referrals to Other Professionals:Should the need arise for the expertise of another professional during our engagement, we will refer you to the appropriate professional directly. This may include legal, accounting, or tax advice. Our advisers follow strict compliance measures to prioritize client's needs over any financial incentives. Full transparency is maintained, and we are happy to provide further clarification on how this incentive works upon request. Our Commitment to YouAs your Financial Adviser, we are fully committed to upholding the highest standards of service and integrity. Our obligations to you include:
- Adherence to Professional Standards: We strictly follow the Code of Professional Conduct for Financial Advice Services.- Compliance with Legal Requirements: We meet all legal duties as prescribed by law.- Continuous Professional Development: We maintain and enhance our competence, knowledge, and skills to serve you better.- Acting in Your Best Interest: Your needs are our priority, and we always act in your best interests.- Providing Tailored Advice: We deliver financial advice that is specifically suited to your individual circumstances.- Clarity and Understanding: We ensure that you fully comprehend the advice process, including any complex terminology.- Exercise of Care and Diligence: We apply the utmost care, diligence, and skill in all our financial adviser services.- Written Financial Advice: We provide all financial advice in clear and accessible written form.- Accuracy and Security: We maintain accurate records and ensure they are kept secure.- Confidentiality: We guarantee the confidentiality of your personal information at all times.
We also adhere to duties outlined in the Financial Markets Conduct Act 2013.
Your Obligations:To facilitate the advisory process, it is crucial that you provide accurate and timely information. Additionally, you are responsible for notifying me of any significant matters or changes that may impact the lender's decision.
Timeframes and Ongoing Services:Our initial financial advice meeting may require one to two hours, and subsequent meetings may be necessary for the entire application and advice process. We will periodically check in to see if your circumstances have changed and if you need further assistance. Feel free to contact me if your situation evolves or if you require adjustments to your loan.
Fees and Costs:Main Bank Home Loans ✔ No fees — we are paid by the lender once your loan settles. Specialist or Non-Bank Loans A fee may apply due to the additional work involved. Any fee will be: - Disclosed upfront - Agreed in writing before you proceed - Transparent and fixed Referral Fees We may pay or receive referral fees when referring clients to or from trusted partners. All referral arrangements are disclosed upon request. Supporting Starship FoundationAt Lendi Financial, we are committed to giving back to our community. That's why we proudly contribute a percentage of our earnings from every loan we process towards the Starship Foundation. Your choice to work with us not only helps you achieve your financial goals but also supports the health and well-being of children across New Zealand. Together, we can make a difference.
Conflict of interests and Commissions:When your loan settles, we usually receive a commission from the lender. This may include: - Upfront commissions - Trail commissions - Fixed-rate rollover payments We manage potential conflicts by: - Prioritising your best interests at all times - Comparing multiple lender options - Recommending the most suitable loan, not the highest-paying lender - Disclosing any commissions or incentives Your interests always come first. Below is a table outlining the commission rates and types offered by each product provider. Our commission on loans is based on a percentage of the total loan amount:
We can also receive a referral fee or commission if we refer you to our referral partners.
Complaint Resolution: If you have a concern or complaint, please contact us:
Email: kam.azami@lendi.nz
Phone: (02) 0444 7770
We will:
Acknowledge your complaint within 2 working days
Investigate and respond within 10 working days
If we cannot resolve your complaint, you can contact our external disputes resolution scheme:
FSCL – Financial Services Complaints Ltd
Website: www.fscl.org.nz
Phone: 0800 347 257
This service is free to you.
Information handling at Lendi Financial:At Lendi Financial, we meticulously adhere to the New Zealand Privacy Act 2020, demonstrating our commitment to the responsible management of your data. To facilitate your loan application and assess your eligibility, we necessitate specific personal and financial information from you. This information is shared with key stakeholders, including Lendi, your Financial Adviser, lenders, and essential third parties such as credit reporting agencies, government bodies, regulatory authorities, banks, and non-bank lenders.Should you wish to access or rectify any of the information obtained with your permission, we encourage you to promptly contact us. It's crucial to note that your personal and business information may also be disclosed to professionals like solicitors, accountants, insurance advisers, or valuers upon your request.Additionally, disclosure may occur to prospective purchasers if there is an intention to sell our Financial Adviser business. In compliance with regulatory requirements, information may be shared with entities like the Financial Markets Authority and/or independent compliance reviewers for monitoring or compliance purposes. Moreover, in the event of a dispute, your information may be disclosed to our independent disputes resolution scheme, insurer, product provider, or legal adviser.
We acknowledge the possibility of lawful disclosure of your personal information under Court Orders or Statutory Notices pursuant to taxation laws. Be assured that any material changes to the handling of your information or to the mentioned items, products, or services will be communicated to you via email and/or post. This agreement governing the handling of your information will persist until terminated, requiring a written notice of at least thirty days from either party. By acknowledging this, you confirm that you have read and understood the information pertaining to the Privacy Act 2020, including how your information may be collected, used, stored, and shared. Languages We SpeakEnglish • Farsi (Persian) • Russian • Punjabi • Hindi
Information handling at Lendi Financial:At Lendi Financial, we meticulously adhere to the New Zealand Privacy Act 2020, demonstrating our commitment to the responsible management of your data. To facilitate your loan application and assess your eligibility, we necessitate specific personal and financial information from you. This information is shared with key stakeholders, including Lendi, your Financial Adviser, lenders, and essential third parties such as credit reporting agencies, government bodies, regulatory authorities, banks, and non-bank lenders.Should you wish to access or rectify any of the information obtained with your permission, we encourage you to promptly contact us. It's crucial to note that your personal and business information may also be disclosed to professionals like solicitors, accountants, insurance advisers, or valuers upon your request.Additionally, disclosure may occur to prospective purchasers if there is an intention to sell our Financial Adviser business. In compliance with regulatory requirements, information may be shared with entities like the Financial Markets Authority and/or independent compliance reviewers for monitoring or compliance purposes. Moreover, in the event of a dispute, your information may be disclosed to our independent disputes resolution scheme, insurer, product provider, or legal adviser.
We acknowledge the possibility of lawful disclosure of your personal information under Court Orders or Statutory Notices pursuant to taxation laws. Be assured that any material changes to the handling of your information or to the mentioned items, products, or services will be communicated to you via email and/or post. This agreement governing the handling of your information will persist until terminated, requiring a written notice of at least thirty days from either party. By acknowledging this, you confirm that you have read and understood the information pertaining to the Privacy Act 2020, including how your information may be collected, used, stored, and shared. Languages We SpeakEnglish • Farsi (Persian) • Russian • Punjabi • Hindi