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OUR Disclosure
Financial Advice Provider Disclosure Statement
This Disclosure Statement provides you with important information about the financial advice services provided by Lendi Financial Limited (LENDI). This Disclosure Statement was last updated on 30 March 2024 15/04/2025.About Lendi:Lendi Financial Limited (FSP1006898) is a financial advice provider and holds a Financial Advice Provider licence (FAP) issued by the New Zealand Financial Markets Authority. Lendi Financial Limited is authorised by that licence to provide financial advice.Lendi Financial Limited FSP Number: 1006898Phone: 020 444 777 0Email: kam.azami@lendi.nz Website: www. lendi.nz
Vision and ValuesAt Lendi Financial, our vision is to empower individuals and families to achieve financial freedom through informed and tailored financial solutions. We value integrity, transparency, and customer-centricity, ensuring that every decision we make is in your best interest.
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:At Lendi Financial, we provide personalized financial advice to help clients make informed decisions about their financial needs. Our services cover a range of financial products, including home loans, business lending, personal loans, insurance, and financial planning.
1. Home Loan AdviceWe assist clients in securing home loans tailored to their financial situation, including:
First-home buyer mortgagesRefinancing and fixed-rate rolloversProperty investment loansDebt consolidation through mortgage restructuringConstruction and renovation loansOur advice is based on a panel of lenders and financial institutions, 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 loansBusiness expansion and working capital financeAsset and equipment financingWe work with multiple lenders to provide funding solutions tailored to business needs.
3. Personal LendingWe offer financial advice on:
Personal loans for various purposes (e.g., vehicle purchases, travel, debt consolidation)Short-term financing solutions 4. Insurance AdviceWe provide guidance on selecting insurance products to protect individuals and businesses, including:
- Life insurance- Mortgage protection insurance- Income protection insurance- Business and key person insurance We work with selected insurance providers to recommend policies that align with your financial and personal needs.
5. Our LimitationsWe do not provide investment advice on shares, managed funds, or other financial instruments.We do not provide legal or tax advice. Clients should seek independent legal or tax advice if required.Our lending advice is limited to lenders on our panel, and we do not compare every financial provider in the market. 6. 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.- Implementation and support – Assisting with applications and approvals. 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
This Disclosure Statement provides you with important information about the financial advice services provided by Lendi Financial Limited (LENDI). This Disclosure Statement was last updated on 30 March 2024 15/04/2025.About Lendi:Lendi Financial Limited (FSP1006898) is a financial advice provider and holds a Financial Advice Provider licence (FAP) issued by the New Zealand Financial Markets Authority. Lendi Financial Limited is authorised by that licence to provide financial advice.Lendi Financial Limited FSP Number: 1006898Phone: 020 444 777 0Email: kam.azami@lendi.nz Website: www. lendi.nz
Vision and ValuesAt Lendi Financial, our vision is to empower individuals and families to achieve financial freedom through informed and tailored financial solutions. We value integrity, transparency, and customer-centricity, ensuring that every decision we make is in your best interest.
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:At Lendi Financial, we provide personalized financial advice to help clients make informed decisions about their financial needs. Our services cover a range of financial products, including home loans, business lending, personal loans, insurance, and financial planning.
1. Home Loan AdviceWe assist clients in securing home loans tailored to their financial situation, including:
First-home buyer mortgagesRefinancing and fixed-rate rolloversProperty investment loansDebt consolidation through mortgage restructuringConstruction and renovation loansOur advice is based on a panel of lenders and financial institutions, 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 loansBusiness expansion and working capital financeAsset and equipment financingWe work with multiple lenders to provide funding solutions tailored to business needs.
3. Personal LendingWe offer financial advice on:
Personal loans for various purposes (e.g., vehicle purchases, travel, debt consolidation)Short-term financing solutions 4. Insurance AdviceWe provide guidance on selecting insurance products to protect individuals and businesses, including:
- Life insurance- Mortgage protection insurance- Income protection insurance- Business and key person insurance We work with selected insurance providers to recommend policies that align with your financial and personal needs.
5. Our LimitationsWe do not provide investment advice on shares, managed funds, or other financial instruments.We do not provide legal or tax advice. Clients should seek independent legal or tax advice if required.Our lending advice is limited to lenders on our panel, and we do not compare every financial provider in the market. 6. 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.- Implementation and support – Assisting with applications and approvals. 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
Financial Products and Services:We are specialize in offering advice on a range of financial products, including:• Home Loans • Investment Loans • Construction Loans• Commercial Loans
• Business Loans
Additionally, we can connect you with our trusted partners for the following services: - Asset Finance- Kiwi saver & Investment
- Manage Funds- Insurances
- XE
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.
- Insurance Advice: We do not provide regulated financial advice on insurance products such as life, health, income protection, or house and contents insurance. We can, however, connect you with trusted insurance advisers if needed.- 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 clients' 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.
Remuneration and Payment:In most cases, our services are provided at no direct cost to you. Instead, remuneration is received from our suppliers, such as banks and finance companies. Commission received for implementing a home loan covers research, analysis, and administrative costs.We will also pay a referral fee or commission to our referral partners. We can also receive a referral fee or commission if we refer you to our referral partners. 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:On settlement of a mortgage we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We manage these conflicts of interest by: • Consistently recommending the most suitable product for your needs, regardless of the commission we may earn. • Making sure the loan amount aligns with your specific needs and requirements. 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 clients' 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.
Remuneration and Payment:In most cases, our services are provided at no direct cost to you. Instead, remuneration is received from our suppliers, such as banks and finance companies. Commission received for implementing a home loan covers research, analysis, and administrative costs.We will also pay a referral fee or commission to our referral partners. We can also receive a referral fee or commission if we refer you to our referral partners. 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:On settlement of a mortgage we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We manage these conflicts of interest by: • Consistently recommending the most suitable product for your needs, regardless of the commission we may earn. • Making sure the loan amount aligns with your specific needs and requirements. 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: In the event of a dispute or complaint, please refer to the Lendi financial website fora detailed outline of the procedures to follow. Your feedback is crucial, and we are dedicated to resolving any issues promptly and transparently.
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.
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.