IMPORTANT INFORMATION ABOUT US

Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice. Kinwan Finance Ltd (FSP1004385) is authorised by that licence to provide financial advice.

Link Financial Group 2022 Ltd (LFG) is the Financial Advice Provider. You can contact LFG at: 

Phone: 0800 466 784

Email: admin@lfg.co.nz

Address: 1-1 Antares Place, Rosedale, Auckland

Name: Andrew Chain (FSP1003105)

Phone: 022 526 7788

Email: andrew@kinwanfinance.com

Our advisers provide advice about:

• Determining how much you can afford to borrow (within lenders affordability guidelines).
• Selecting an appropriate lender and mortgage structure.
• How to structure your repayments to pay off your mortgage sooner.
• Structuring and refixing your current lending.

We provide advice in relation to the following lending products:

• Mortgages
• Personal loans
• Top Ups
• Fixed rate rollovers
• Debt consolidation
• Business loans

We provide advice in relation to products provided by the following companies:

Main Bank Lenders

ANZ

ASB

BNZ

Westpac

Other Lenders

Kiwibank

AIA

Avanti Finance

Bank of China

The Co-Operative Bank

Liberty

Resimac

SBS Bank

Generally we do not charge you a fee for our services.

However there  are some situations where fees may apply.

Find out more about our fees policy:

For mortgages and lending, we 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 and will vary depending on the lending provider; specific remuneration will be advised to you when advice is provided.

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. We complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process.

If you are not satisfied with our financial advice service you can make a complaint by emailing complaints@lfg.co.nz, or by calling 0800 466 784. You can also write to us at: 1/1 Antares Place, Rosedale, Auckland. When we receive a complaint, we will consider it using our internal complaints process:

We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.

We aim to resolve complaints within 10 working days of receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.

We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Disputes Resolution Scheme (FDRS). FDRS 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 FDRS by phone on 0508 337 337, or by emailing enquiries@fdrs.org.nz.

Kinwan Finance, 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:

• give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests
• exercise care, diligence, and skill in providing you with advice
• meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

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 www.fma.govt.nz.