Terms of Engagement

1. About Us

Mortgage Time Limited (trading as Mortgage Time) is a Licensed Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA) under the Financial Markets Conduct Act 2013. Financial Services Provider Number: FSP1005314.

Our financial adviser Brodie Sadgrove (FSP517566) provides mortgage and lending advice on behalf of Mortgage Time.

2. Our Services

We provide financial advice on residential and commercial mortgage lending products. Our services include:

• Assessing your financial position and lending eligibility
• Recommending suitable mortgage products from our panel of lenders
• Assisting with mortgage application preparation and submission
• Providing ongoing advice throughout the lending lifecycle
• Assisting with refinancing, restructuring and investment lending

3. How We Are Remunerated

In the majority of cases, we do not charge you a fee. We are remunerated by commission paid by the lender when your loan settles. This commission ranges from 0% to 0.88% of the loan amount at settlement, and an ongoing trail commission of 0.15% to 0.20% per annum.

In some circumstances involving non-bank lenders or clawback situations (where a loan is repaid within 24-27 months of drawdown), a fee may be payable. Any applicable fees will be clearly disclosed to you before you commit to any transaction.

4. Your Obligations

To enable us to provide quality financial advice, you agree to:

• Provide accurate and complete financial information
• Notify us promptly of any changes to your circumstances
• Cooperate with requests for supporting documentation
• Inform us if you receive advice from another financial adviser in relation to the same matter

5. Confidentiality

We treat all client information as strictly confidential. Your personal and financial information will only be used for the purpose of providing you with financial advice and will only be disclosed to lenders, third parties, or regulators as required to process your application or as required by law.

6. Complaints

If you have a complaint about our services, please contact:

Brodie Sadgrove — Complaints Manager
Email: director@mortgagetime.co.nz | Phone: 027 244 6444

If your complaint cannot be resolved internally, you may contact our external disputes resolution scheme:

Financial Services Complaints Limited (FSCL)
www.fscl.org.nz | 0800 347 257 | complaints@fscl.org.nz
Address: FSCL, PO Box 5967, Wellington 6145

7. Governing Law

These terms are governed by the laws of New Zealand.