Company Name：AN+ MORTGAGE AND INVESTMENT LIMITED

FSPR Number: 1007275

Address: 94 Admirals Court Drive，Greenhithe

Phone: 0220749471

Email: [email protected]

Licensing information

We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of Kiwi Adviser Network Limited.

There are no conditions attached to this licence on the advice that may be given PROSPA

Providers we work with:

ANZ, ASB, BNZ, Westpac, Kiwibank, Bank of China, Industrial and Commercial Bank of China, ASAP Finance, Avanti, Basecorp, Cooperative Bank, CMFL, Bluestone, China Construction Bank, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, Liberty, Pepper Money, Plus Finance, Prospa, Resimac, SBS, TSB, ASB Go Home Loans, Pallas Capital, and Southern Cross Partners.

Products we can advise on

The types of financial products we can give advice on are:

• Home Loans
• Commercial and Business Loans
• Construction Loan

We do not provide financial advice services relating to :

Legal or estate planning (e.g. wills, trusts, contracts, etc.)

General Insurance advice

Personal Insurance advice

Investment products (e.g. shares, bonds, managed funds, KiwiSaver, etc.)

You will need to consult an appropriate specialist if you would like advice on the above.

Commissions or other Incentives

We may receive commissions at settlement from the relevant lender if you choose to take out a mortgage following my advice. The commissions are between 0.55% and 0.85% of the initial mortgage balance or amount funded. We may/will also receive 0.15% to 0.2% of the mortgage balance on each anniversary.

The commission We receive is shared with An+ Mortgage and Investment Limited for providing me with compliance support, training, and back-office support.

Conflicts of Interest

We are paid commissions by lenders when a mortgage settles and in some cases at the mortgage anniversary each year.

We ensure that We prioritise your interests by following an advice process that considers your circumstances and goals. We research suitable products and providers to ensure the advice meets your needs.

We also undergo annual training on how to manage any conflicts of interest and record any conflicts in a register that we review and manage.

An+ Mortgage and Investment Limited is subject to a yearly audit and compliance reviews to ensure we meet our obligations while doing right by our clients.

Fees and Expenses

We do not charge you a fee if you decide to take a loan. The lender may pay us a commission if you decide to take up our advice and when your loan settles. However, We may charge you a one-off fee if the following occurs:

(a) There’s no commission: If you request that We provide financial advice and I do not receive a commission from the lender, We may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my approved lenders.

(b) Commission has to be repaid: If you make certain changes to your loan within 2 years, the lender can require me to repay to them the commission I received for your loan - this is called a ‘clawback’ and can be up to 100% of the commission. If this occurs, We may charge you a one-off fee. Set out below are the circumstances in which this would apply and the fee that would be charged to you.

Fee for our financial advice = $2000 for 10 hours of work calculated at $200 per hour

We will invoice you for this fee and it will be payable on the 3rd of the month following the cancellation of your policies. Details of how to make payment will be included on the invoice.

Reliability History

A reliability event is something that may materially influence your decision on seeking advice from An+ Mortgage and Investment Limited or from me. Some examples of reliability events are legal proceedings against me or if We had been bankrupt in the last four years.

Neither An+ Mortgage and Investment Limited nor our advisers have been subject to a reliability event.

Complaints Process

If you have a complaint about financial advice or the service we gave you, you need to tell us about it. You can contact our internal complaints service by phoning, or emailing me (Subject line: Complaint - Your Name). Please set out the nature of your complaint, and the resolution you are seeking. we aim to acknowledge receipt of this within 24 hours. we will then record your complaint in our Complaints Register and will work with you to resolve your complaint. we may want to meet with you to better understand your issues. we aim to provide an answer to you within 7 working days of receiving your complaint. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. The name of this service and their contact details are:

Financial Dispute Resolution Service [email protected]

0508 337 337

https://fdrs.org.nz/

Our Duties

We are bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are to:

• Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.
• Give priority to your interests.
• Exercise care, diligence, and skill.