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Disclosure Statement

Financial Advice – Disclosure

The information provided in this disclosure document is important

Licence status and conditions

Nest Financial 2023 Ltd (FSP1006134 trading as Nest Home Loans) holds a licence issued by the Financial
Markets Authority (FMA) to provide financial advice.

Nature and scope of the financial advice given

Nest Home Loans provides advice to our clients about their Home loans.

We provide financial advice about products from a large range of providers.

ANZ, ASB, Westpac, BNZ, AIA, SBS, Co-operative bank, TSB, NZCU, Bank of China, First Credit Union, Resimac, Bluestone, Pepper, Liberty, Avanti, Basecorp, Gold Bank, Admiral, FMT, General Finance, Funding Partners, FICO, Cressida, Southern Cross Finance, ASAP, Killarney Capital, Pearl Fisher, Bridging Finance, Lock, Asset Finance, NZMS, Hereford and Worcester, DBR, Plus Finance, Prospa, Reesby and Company, Midlands, Capital Group, Metro, Plus Finance, Wroxton, Property Funding, Heartland Bank, Kiwibank, Generate.

We do not provide advice on:

Insurance, Kiwisaver or Legal Advice

Any financial advice provided on our behalf will only take account of the information you have given us about your needs, financial situation or goals.

Fees, expenses or other amounts payable for our financial advice

Most mortgages we apply for do not incur any fees and we are paid a commission. In some circumstances we may charge a fee for our financial advice. You will be made aware any fees with your mortgage and charged if you decide to take out a home loan. This might include a non-bank mortgage, or we may charge where there is more costs, time, or expertise involved in securing a mortgage for you.

Conflicts of interest and commissions or other incentives

The company Nest Home Loans receives commissions from the lenders based on the size of the mortgage. If you decide to take out a home loan, the lender will pay a commission to Nest Home Loans based on the amount of the mortgage. Commission rates vary between banks. To ensure your interests are put first, Nest Home Loans pays your financial adviser the same amount to its advisers whichever bank lends you the money.

We also follow an advice process that ensures our recommendations are made on your client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest.

Internal complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:

in writing:
Complaints Officer
Jeff Kerwin
5/278 Kahikatea Drive, Frankton, Hamilton

by telephone:
0800 337 426

by email:
[email protected]

  • 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 can’t, 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 can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact Financial Disputes Resolution Service.

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.

We are a member of the Financial Dispute Resolution Service approved dispute resolution scheme. You can contact them at:

Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service
Level 4, 101 Lambton Quay
Wellington 6011

0800 347 257
[email protected]

Our duties

Nest Home Loans and anyone who gives financial advice on our behalf, have 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 isn’t 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 https://www.fma.govt.nz.

The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.

Contact Details

Nest Home Loans 2023 Ltd (FSP1006134, trading as Nest Home Loans) is the Licensed Financial Advice Provider.
You can contact us at:
Nest Home Loans
5/278 Kahikatea Drive, Frankton, Hamilton
0800 337 426
[email protected]


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