Disclosure

Licensing Information

Goldbridge Partners Limited trading as Goldbridge Finance FSP716371 holds a licence issued by the Financial Markets Authority to provide financial advice.

Yuan Li (FSP472606) is authorised by that licence to provide financial advice.

Contact Details

Goldbridge Partners Limited trading as Goldbridge Finance is the Financial Advice Provider.

You can contact us at:

Phone: 0800 952 888

Email: [email protected]

Address: 521D Mt Albert Road, Three Kings, Auckland

Nature and scope of advice

Goldbridge Partners Limited advisers provide advice about:

    • Mortgages and personal lending
    • Determining how much you can afford to borrow to purchase a property (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
    • Tops ups
    • Fixed rate rollovers
    • Debt consolidation
    • Business loans

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

ANZ, Apricity, ASAP Finance, ASB, Avanti Finance, Bank of China, Basecorp Finance, Bluestone Mortgages, BNZ, Clevermoney, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, Liberty Finance, Lock Finance, NZCU, Peppermoney, Plus Finance, Prospa, Resimac, SBS Bank, Simplify, Southern Cross Partners, Zip, The Cooperative Bank and Westpac.

Fees and expenses

Goldbridge Partners Limited advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Goldbridge Partners Limited adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Goldbridge Partners Limited at the time your loan is advanced.

Goldbridge Partners Limited advisers may charge a fee for the financial advice provided to a client where a client repays or refinances a mortgage within two years of the loan start date. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client.

Conflicts of interest

Goldbridge Partners Limited and our financial advisers receive commissions from the lenders on whose products we give financial advice. If you decide to take out a mortgage, the provider will pay a commission to Goldbridge Partners Limited and to your financial adviser. The amount of commission is based on the amount of the mortgage.

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. Goldbridge Partners Limited 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.

Complaints and Dispute Resolution

If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling 0800 952 888. You can also write to us at: 521D Mt Albert Road, Three Kings, 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 you feel your complaint has not been resolved to your satisfaction, then you should contact the adviser’s independent dispute resolution provider, which in most cases will be the Financial Services Complaints Limited (https://www.fscl.org.nz).

This service will cost you nothing and you can contact them at:
Financial Services Complaints Limited,
Level 4, 101 Lambton Quay, Wellington 6011
0800 347 257
[email protected]

You also have the right to address your complaint to the Financial Markets Authority (FMA). Details of the FMA complaints process are available on the FMA website ( https://www.fma.govt.nz). The FMA can also be contacted at: Level 2, 1 Grey Street, PO Box 1179, Wellington 6140 or by phone 04 472 9830.

Duties information

Goldbridge Partners 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:

    • give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests (431K)
    • exercise care, diligence, and skill in providing you with advice (431L)
    • 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) (431I)
    • 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.

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