Disclosure
License and FSPR Details:
Easy As Finance Limited holds a Financial Advice Provider licence issued by the FMA to provide financial advice services. Easy As Finance Limited Financial Services Provider Number is FSP1011819.
Our office contact details:
Address: 14 Brumbie Way, Karaka, Auckland
Phone: 021 121 8522
Email: jai@easyasfinance.co.nz
Website: www.easyasfinance.co.nz
Nature and Scope of financial advice services
| Our Services | Personal and Home Loans (including borrowing for personal and investment purposes) |
| Products we can provide financial advice about | Loans including mortgages |
| Product providers we might recommend | AIA ANZ ASB BNZ Westpac Kiwibank ASAP Finance Avanti Basecorp Co-operative Bank Cressida Capital DBRFirst Mortgage Trust Funding Partners Heartland Bank Liberty Unity Pepper Money Plus Finance Prospa SBS Southern Cross Partners Pallas Capital BizCap FINBASE XCEDA VINCENT CAPITAL SIMPLIFY THE LENDING PEOPLE WELCOME |
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 following section outlines the types of fees that may apply:
- The fees charged for our advice and services may be based on a combination of:
- 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
Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs.
However, we will agree on all additional costs with you prior to incurring them; ORWe don’t charge our clients fees, expenses or anything else directly for the financial advice we provide.
Commissions
For services in relation to insurance/ investments/ loan products, commissions may be paid by the product provider as follows:
| Initial Commission | A percentage of the value of your investment contributions, loan balance, or insurance premiums |
Conflicts of interest or other incentives
We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also.
From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.
How we manage any conflicts of interest
To ensure our advisers prioritise our clients’ interests:
- We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
- All our advisers undergo annual training about how to manage conflicts of interest.
- We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
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’ interest, and
- Exercise care, diligence and skill, and
- 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.
Our internal complaints manager is Jaideep Saini who can be reached via email at jai@easyasfinance.co.nz or 021 121 8522. Jaideep Saini will reply to you within 24 hours.
Our internal complaints handling process is as follows:
- Acknowledgement: We will acknowledge your complaint within 24–48 hours of receiving it, either by email or phone, and confirm that we are looking into the matter.
- Investigation: We will review your complaint carefully, gather all relevant information, and assess what has happened. If needed, we may contact you for further details.
Response and Resolution: We aim to provide you with a resolution within 5–10 working days. We will explain the outcome of our investigation and any actions we will take to resolve the issue.
Our external complaints process
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme: Financial Services Complaints Ltd (FSCL). This service will cost you nothing, and will help us resolve any complaints.
You can contact Financial Services Complaints Ltd (FSCL) at: