Disclosure statement
Disclosure Statement
This disclosure page is provided for launch preparation while Marison Financial Guru Ltd's Financial Advice Provider licence application is pending. Website content is general information only until personalised advice is provided through the appropriate FAP process and disclosure.
Who provides the advice
Legal entity: Marison Financial Guru Ltd
Trading name: Financial Guru
FSP number: FSP10126567
Financial Advice Provider status: Application pending
Nature and scope of advice
We intend to provide advice on residential mortgages, refinancing, investment property lending, self-employed borrower lending, construction and new-build finance, development finance, bridging finance, commercial property finance, asset finance and business loans. Any personalised advice will only be provided through the appropriate FAP process and disclosure.
We do not provide tax, legal, accounting, investment, insurance, or property valuation advice unless specifically stated in a separate written engagement. You should seek independent professional advice where needed.
Fees, expenses and commissions
In many cases, mortgage advisers are paid a commission by the lender if your loan settles. Some situations may involve a client fee, especially for complex, short-term, non-bank or development finance work. Any applicable fee, lender commission, clawback risk or payment arrangement should be disclosed to you before you proceed.
Conflicts of interest
We may receive commissions or other payments from lenders. To manage this, we will explain why a recommended option is suitable for your needs, disclose relevant remuneration, and prioritise your interests when providing financial advice.
Complaints process
If you are unhappy with the service or website information, please contact Financial Guru at anson@financialguru.co.nz. We will acknowledge your complaint, review the issue, and aim to resolve it promptly.
If your complaint is not resolved, dispute resolution details will be provided in the formal disclosure information once the relevant FAP arrangements are confirmed.
Duties information
When providing financial advice, financial advisers must meet legal duties including giving priority to the client's interests, exercising care, diligence and skill, meeting competence, knowledge and skill standards, and complying with standards of ethical behaviour, conduct and client care.