Business Support Limited T/A pinoy.co.nz
1. About Us
Business Support Limited is financial services provider company trading as pinoy.co.nz.
We are registered as a financial service provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.
2. Nature and Scope of Our Advice for
Business Support Limited is a New Zealand-owned financial services provider specializing in vehicle finance solutions. We offer a wide range of car finance options offered by our partnered lenders, including:
- Learner’s license car finance
- Work visa car finance
- No deposit car loan
- Low deposit options
- Car finance for slightly dented credit
- Vehicle loan for all valid New Zealand driver’s licenses
- Personal Loan
- Debt Consolidation Loan
- Business Finance
Our services are available to all qualifying applicants within the criteria set by lenders, including those with limited credit history or unique licensing statuses, certain visa status etc.
RISE WEALTH LIMITED ( Mortgage and Business advise) FAP Licenced Entiry FSP Number : FSP1009565
Our business provides financial advice in the form of mortgage and lending advice. We offer services related to:
- Residential mortgages
- Commercial lending
- Refinancing
- First home buyers
- Investment property financing
- Business Finance
- Rise Wealth Limited’s advice is primarily focused on helping clients select the most appropriate mortgage products, based on their financial circumstances and goals.
- Financial Adviser may recommend mortgage products from a range of financial institutions, banks, and non-bank lenders.
3. Remuneration and Fees
Our services are generally provided at no direct cost to you, as we typically receive commission payments from the lenders we recommend to you. The commission varies depending on the lender and the type of mortgage or loan product you choose. The commission we receive is typically paid at the time of settlement of your mortgage loan.
We may also charge you a fee for certain services, such as for more complex or specialised financial advice. The exact fees, if any, will be disclosed to you before any charges are incurred.
We may receive:
- Upfront commission: This is paid to us at the time your loan is settled.
- Trail commission: This is a recurring payment we may receive for the duration of the mortgage.
You are not required to pay for our advice or services unless specified.
Business Support Limited
Depending on the loan type and lender, the following fees and charges may apply:
- Establishment fee: Ranges from $395 – $995, Exact amount can be found in individual credit contract.
- Brokerage fee: Ranges from $495 and upwards*
- Early repayment fee: This is different for each lender so please check your credit contract or contact lender for details.
- Default fees: May apply if scheduled payments are missed, Please check your credit contract
- Monthly administration fee: Usually specified in individual credit contract
All applicable fees will be disclosed in your loan agreement prior to acceptance. Please read carefully and ask if there’s any questions. Independent legal advice on contracts are recommended.
4. Conflicts of Interest
We are committed to providing unbiased, independent advice. However, it is important to note that our revenue is influenced by the lenders we work with. As a result, there may be a potential conflict of interest in terms of the products we recommend.
We will always disclose any conflicts of interest to you and ensure that we act in your best interests at all times. If we have any conflicts, we will inform you clearly before giving advice on a product.
5. Dispute Resolution Scheme
If you are not satisfied with the service or advice you receive from us, we are a member of the FSCL dispute resolution scheme, which is approved by the Financial Markets Authority. FSCL provides an independent and free service to resolve disputes.
You can contact FSCL at:
Name of Scheme: Financial Services Complaints Limited
Membership Number 9448 – BUSINESS SUPPORT LIMITED
Website: www.fscl.org.nz
Phone: 0800 34 72 57
You may also contact us directly to discuss any concerns or complaints:
Business Support Limited T/A pinoy.co.nz
Email: info@pinoy.co.nz
Phone: 021 232 8686
Address: 391 Rosebank Road, Avondale, Auckland
6. Privacy and Confidentiality
We take the protection of your personal information seriously. The information you provide to us will be held securely and used solely for the purposes of providing mortgage and lending advice. We will not disclose your information to third parties unless required to do so by law or as necessary for the services we provide.
Please refer to our Privacy Policy for further details on how we collect, store, and use your personal information.
7. Qualifications and Experience
Our team of advisers are qualified and experienced in mortgage broking and financial services. They hold relevant qualifications and have completed industry-specific training to ensure they meet the standards set out by the Financial Markets Authority (FMA).
We maintain compliance with all relevant professional development and training requirements to ensure that we provide competent and up-to-date advice.
8. Contact Information
For more information about our services, or if you have any questions about the advice we provide, please contact us using the details below:
Business Support Limited T/A pinoy.co.nz
Email: info@pinoy.co.nz
Phone: 021 232 8686
Registered Office: The Loft, Suite 2, 391 Rosebank Road, Avondale, Auckland
NZBN (Business Support Limited) : 9429051766894
FSP Number (Business Support Limited) : FSP1009928