Since 2003, we’ve been providing expert guidance and tailored options, committed to transparency and ensuring you have all the information you need to make informed financial decisions.
NZ Financial Services Group Limited (FSP286965) holds a license issued by the Financial Markets Authority to provide financial advice. Caldwell Mortgage Advice Limited (FSP******) is authorized by the license to provide financial advice.
Caldwell Mortgage Advice Limited (CMA) provides advice to our clients about their mortgages. Our Financial Advisers provide financial advice in relation to these financial advice products.
We only provide financial advice about products from certain providers:
Generally, CMA will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake.
However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware of the fee for service and agree to the amount before you are invoiced. The fee amount will be based on an estimate of the time spent on providing the service.
CMA and our financial advisers receive commissions from the providers on whose products we give financial advice (banks). If you decide to take out a mortgage, the provider will pay a commission to CMA and to your financial adviser. The amount of commission is based on the amount of the mortgage.
As part of our overall process, we sometimes refer our clients to Vercoe Insurance Advisers and Cambridge Insurance Advisers for Fire & General Insurance. We receive a small referral fee for this service.
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 our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive.
We are always looking for ways to improve our service to you. If something has gone wrong, we want to know.
Please send an email to [email protected], or you can write to us at: P O Box 309, Cambridge 3450 and tell us what happened and how we can resolve matters. If you have documents or correspondence that will help us understand your complaint, please attach them to your email.
When we receive your complaint, we will endeavour to:
If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs.
FSCL’s role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).
FSCL’s contact details are:
Caldwell Mortgage Advice, 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:
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
Caldwell Mortgage Advice Limited (FSP1007795) is the Financial Advice Provider.
You can contact us at: Phone: 07 827 7199, Email: [email protected], Address: 60 Alpha Street, Cambridge 3434
#1 in Waikato BOP Phil Caldwell 2017 – 2026
Top 10 in NZ, Home loan Settlements Phil Caldwell 2018 – 2026
Winner – Phil Caldwell 2005
60 Alpha Street, Cambridge 3434
(by the Village Green)
[email protected]
(07) 827 7199
Phil Caldwell 021 755 433
Dan Caldwell 021 855 980
Lisa Grayling 021 807 205
Bobby Anthony 027 696 4721
Office Hours
Monday – Friday
8.30am – 4.30pm
