Name: Jonathan Tui Masaga
FSP Number: FSP515266
Phone: 021 62 7242
Email: jon@niulifehomeloans.co.nz
Address: 10 Okupe Grove, Aotea, Porirua 5024

I am a financial adviser and provide advice on behalf of NIULIFE Home Loans Limited T/A NIULIFE Home Loans (FSP751331), who are licensed as a Financial Advice Provider by the Financial Markets Authority.

Both NIULIFE Home Loans Limited, trading as NIULIFE Home Loans, and I are registered on the Financial Service Providers Registry, which can be viewed at: fsp-register.companiesoffice.govt.nz.

I Work For You

As a Financial Adviser, I must adhere to the Code of Conduct for Financial Service Providers.

I am paid by the providers for the services I provide. However, it is you for whom I work. To ensure that I prioritise your interests over my own, I follow a 6-step advice process when delivering personalised financial advice, which is based on your individual goals and needs.

I provide all my recommendations in writing, so you have the opportunity to ask any questions you might have before implementing any of my advice.

NIULIFE Home Loans Limited T/A NIULIFE Home Loans, along with anyone who provides financial advice on our behalf, has obligations under the Financial Markets Conduct Act 2013 regarding the manner in which we give advice.

My Services

Home Lending:

I work with banks and lenders to recommend the lending products and solutions that I think best fit your circumstances and requirements from the following providers:

ANZ, ASB, Westpac, Kiwibank, The Co-operative Bank, SBS, Avanti, Liberty Finance, Pepper Money, Southern Cross Partners

Instead of an upfront fee, the recommended lending provider pays NIULIFE Home Loans Limited, trading as NIULIFE Home Loans, a commission. This commission will range from 0% to 1% of the total loan amount, depending on the loan provider you choose. I will confirm the commission amount NIULIFE Home Loans Limited T/A NIULIFE Home Loans will receive when I provide my recommendation to you.

Additionally, NIULIFE Home Loans Limited T/A NIULIFE Home Loans may receive a commission of up to 1% of the outstanding mortgage or lending balance annually. This commission covers the ongoing service I provide to you, in the form of a trail commission, and may also involve a payment of up to $150 for any loan that is re-fixed during the course of the loan.

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).

How to raise a concern or complaint regarding my advice

If you have a complaint about our service, please let us know. You can contact our internal complaints service by phoning us on 021 627 242 or emailing us at jon@niulifehomeloans.co.nz, with the subject ‘Complaint – (Your Name)’.

Please set out the nature of your complaint and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We would like to meet with you to gain a better understanding of your issues. We will then investigate your complaint and provide a response within 7 working days of receiving it. If we require additional time to investigate your complaint, we’ll notify you.

If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is free and independent, and will assist you in resolving things with us.

Details of this service are:

Financial Services Complaints Limited (FSCL)
Phone: 0800 347 257
Email: complaints@fscl.org.nz
Website: https://fscl.org.nz/about-us/our-role/