Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP696731 holds a licence issued by the Financial Markets Authority to provide financial advice.
Mortgage Insurance & Investments Limited FSP88844 is authorised by that licence to provide financial advice
Mortgage Insurance & Investments Ltd advisers provide advice about:
We provide advice in relation to the following lending products:
We provide advice in relation to the following insurance products:
Mortgage and lending planning fee
Mortgage and lending service fee
Insurance service fee
Kiwisaver service fee
For life insurance and health insurance, Mortgage Insurance & Investments Ltd and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Mortgage Insurance & Investments Ltd and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided.
For mortgages and lending, Mortgage Insurance & Investments Ltd and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided.
For KiwiSaver, Mortgage Insurance & Investments Ltd and the financial adviser receive commissions from some of the Kiwisaver vendors. The commission is $40 - $240 on joining the scheme (depending on the balance transferred or the size of your contributions to the Scheme within the first 12 months). There will be a trial commission of 0.25% per year of the nominated Kiwisaver account balance ongoing.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Mortgage Insurance & Investments Ltd financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.
If you are not satisfied with our financial advice service you can make a complaint by emailing email@example.com, or by calling 09 273 2540. You can also write to us at: 16/2 Bishop Dunn Place, Flatbush, Auckland. When we receive a complaint, we will consider it using our internal complaints process:
If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Insurance and Financial Services Ombudsman Scheme (IFSO). IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.
You can contact Insurance & Financial Services Ombudsman Scheme at Address: P O Box 10845, Wellington 6143, Telephone number: 0800888202 or 04 4997612 and Email address: firstname.lastname@example.org
Mortgage Insurance & Investments Limited, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.
We love our customers, so feel free to visit during normal business hours.
16/2 Bishop Dunn Place, Flatbush, Auckland, Auckland 2013, nz
Monday - Saturday: 9am - 5pm
After Hours: By appointment
Mortgage Insurance & Investments Limited 2021