Disclosure Statement


To give clients access to information that will help them to find a Financial Advice Provider that meets their needs.

Scope of Licence

Vantage NZ Limited (FSP26761, trading as Vantage NZ Limited) holds a licence issued by the Financial Markets Authority to provide financial advice. The following Advisers are authorised by that licence to provide financial advice:

  • Andre Jon Hutley (FSP100824)

  • Craig William Nicholson (FSP773031)

  • Nathan Craig Hubbard (FSP1002836)
  • ​​​​​​​Joshua Andre Hutley (FSP1006710)

Nature & Scope of Advice

Vantage NZ Limited provides advice to their clients about their mortgages and refers all advice regarding Fire & General Insurance to Neil Henderson (FSP28925) who holds a separate licence issued by the Financial Markets Authority to provide financial advice. Vantage NZ Limited provides financial advice about products from the following providers:

  • ANZ
  • ASAP Finance
  • ASB
  • Avanti Finance
  • Basecorp
  • BNZ
  • CFML
  • Cressida Capital
  • First Mortgage Trust
  • Liberty Financial
  • Pepper Money
  • Resimac
  • SBS Bank
  • Select
  • Southern Cross Partners
  • The Cooperative Bank
  • TSB
  • Westpac

Fees or Expenses

Vantage NZ Limited may charge a fee for the financial advice provided to a client where a loan is repaid within a certain period after settlement. Whether a fee will be charged will be advised when the advice is provided to the client. The fee will be payable by the client by the 20th of the month after the loan is repaid.


Vantage NZ, 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 www.fma.govt.nz.

Conflicts of Interest and Commissions

For mortgages, Vantage NZ and the financial adviser receive commission from the lenders with whom they arrange the mortgages. If you decide to take out the mortgage, the lender will pay a commission to your financial adviser. The amount of the commission is dependent on the lender and the amount of the mortgage. Some of our advisers receive a salary as an employee of Vantage NZ Ltd and are eligible to receive a bonus once a year if a certain level overall lending is achieved. This bonus is based on a percentage (between 50%-75%) of the upfront commission over a set threshold. Other advisers are paid in the form of a percentage of the upfront commission from the lender through which we place the business. This percentage can range from 50% to 75% depending on where the client originates. To ensure that our financial advisers prioritise our clients interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each clients goals and circumstances. All our financial advisers will undergo annual training about how to manage conflicts of interest. We will also undertake a compliance audit and a review of our compliance programme will be undertaken annually by a reputable compliance assessor.

Complaints Handling and Dispute Resolution

If you are not satisfied with our financial advice service you can make a complaint by contacting:

Contact : Andre Hutley
Address: Vantage NZ Ltd
               PO Box 3185
Phone:    04 499 8828
Email:      andre.h@vantagenz.co.nz

When we receive a complaint, we will consider it following 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 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 cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact the Insurance & Financial Services Ombudsman. This service will cost you nothing, and will help us resolve any disagreements.

    You can contact the Insurance & Financial Services Ombudsman at:

    Level 2, Solnet House
    70 The Terrace
    PO Box 10845
    Wellington 6011

    Phone: 04 499 7612
    Email: info@ifso.nz


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