Public Disclosure Statement

Important information about our business
All Seasons Mortgage Limited { All Seasons Mortgage & All Seasons Mortgage and Financial Group} is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services.

• Financial Services Provider Number is FSP1007045
• Our office contact details:
• Address: 6 Parkhaven Drive, Papakura, Auckland
• Phone: 0221550555
• Email: hello@allseasonsmortgage.co.nz
• Website: www. allseasonsmortgage.co.nz

Nature and Scope of financial advice services
Our services

• Mortgage
• Personal loans
• Insurance
• KiwiSaver

Products we can provide financial advice about

• Residential lending including new purchase, refinance, top-ups, construction, refix, restructure & debt consolidation
• Development and construction loans
• Personal lending including car loans, asset loans, debt consolidation
• Insurance advice – Risk Protection – Life, Trauma, Disability, Health insurance
• KiwiSaver Investments

Mortgage providers we work with

Our fees – Mortgages
Generally speaking, All Seasons Mortgage does not charge for its advice. In some cases, we do charge fees where the client’s requirements may be more complex or in the case the provider does not pay a commission. The exact fee we will charge will be confirmed before the advice is provided and the client can decide to proceed or not.

Our fees – Insurance
All Seasons Mortgage and Financial Group does not charge for its advice. In some cases, we do charge fees in situations such as non-solicitation or early termination of a policy within a clawback timeframe, upon accepting our advice and confirming our recommendation, the exact fee will be explained and disclosed in the advice process before accepting our recommendation, it will vary depending on the provider.

Our fees – KiwiSaver
All Seasons Mortgage and Financial Group in most cases will charge a fee for our advice upon accepting our advice and confirming our recommendation, the exact fee will be explained and disclosed in the advice process before accepting our recommendation, it will vary depending on the provider.

Commissions
For services in relation to loan products, commissions may be paid by the product provider as follows:
• Initial Commission: Commission is paid based on a fixed percentage of the value of your loan balance.
• Ongoing Commission: Commission is paid based on a fixed percentage of the value of your loan amount usually calculated at the end of each month in which you hold the loan balance.

For services in relation to Insurance, commissions may be paid by the product provider as follows:
• Initial Commission: Commission is paid based on a fixed percentage of the value of your annual premium. This depends on the provider and the products you decide to take out, this will be disclosed to you prior to accepting our advice.
• Ongoing Commission: Commission is paid based on a fixed percentage of the value of your annual premium.

For services in relation to KiwiSaver, commissions may be paid by the product provider as follows:

• Initial Commission: Flat Commission amount is paid regardless of the size of your Kiwi Saver.
• Ongoing Commission: Commission is paid based on a fixed percentage of the value of your KiwiSaver usually calculated at the end of each month in which you hold your KiwiSaver with that provider.
• 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.
• We may also refer you to another professional for advice in areas we are not experts in, in some of these cases we will receive commission for the introduction.
• Blueprint advisers are paid a mix of salary and commission for the work they do.
• 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 (4311, 431 K, 431 Land 431 M) 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 behaviour, conduct, and client care set out in the Code of Conduct.

Our complaints process
If you are not satisfied with our service, you can make a complaint through the following methods:

• By logging into the Trail client portal and pressing on the “Make a Complaint” button on the bottom right of the page.
• By sending an email to Rajat Aggarwal {our complaints manager} on rajat@allseasonsmortgage.co.nz or calling him on 0221550555
• Once we receive a complaint, we follow an internal procedure to ensure we address the issue. Our process will:
• Acknowledge your complaint within 2 working days
• Inform you how we will address the complaint
• Gather any information that will help us resolve the complaint
• Aim to resolve the complaint within 10 working days.
• If we cannot resolve the complaint within this timeframe, we will update you regarding the next steps.

If you are not satisfied with how we addressed or resolved your complaint, you can contact the FSCL. They are an independent dispute resolution service that costs you nothing to use and will help us resolve any disagreements or finalize outstanding complaints. Their contact details are:

• 0800347257
• complaints@fscl.org.nz
• Website: fscl.org.nz
• Financial Services Complaints Limited
• Level 4, 101 Lambton Quay
• Wellington 6011