Disclosure Information

It Is Important That You Read The Following Information

Smart Brokers Limited trading as SMART (FSP327666) is the Financial Advice Provider (FAP) and holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. SMART has been operating since 2007 and serves clients nationwide across New Zealand.

SMART is a member of Newpark Home Loans (mortgage aggregator) and mySolutions (insurance aggregator), and holds an agency agreement with Generate KiwiSaver.

Duties Information

SMART, 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 at info@smartbrokers.co.nz, or by visiting the Financial Markets Authority website.

What We Do 

Our financial advisers are able to provide financial advice in relation to the following

Finance

Residential Loans
Refinancing
Debt Consolidation
Personal Loans
Business Loans
Commercial Property Loans
Review Existing Loans
Money Management

Insurance

Life Insurance
Trauma Insurance
Income/Mortgage Protection Insurance
Permanent Disability Insurance
Medical/Health Insurance

Wealth

KiwiSaver

We do not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products.

We do not give advice on, taxation, legal and estate planning.

Who We Work With

At SMART we maintain contractual relationships to enable us to place business with the following reputable lenders, insurance companies and investment companies to be able to provide financial advice about their products.

Partners Life

The Co-operative Bank
Kiwibank

We periodically undertake reviews of the supplier companies to ensure that the companies we choose to work with are able to meet the needs of our clients and align to our core values.

How We Get Paid

Loans and Finance

SMART receives commission from the bank or lender with whom we arrange a loan. The commission is based on the amount of the loan borrowed and is paid to SMART at settlement. Where a lender does not pay commission, a fee (based on a percentage of borrowings) will be disclosed to you at the time advice is provided.

Insurance

SMART receives commission from the insurance company on whose policy we give advice. The commission is based on the amount of the premium and is paid by the insurer.

KiwiSaver

SMART receives commission from Generate KiwiSaver for new applications and ongoing balances, paid by the provider.

Fire and General Insurance Referrals

SMART receives an ongoing commission for any fire and general insurance referrals that result in a policy being issued.

Distribution of Commission

SMART pays commission received to the relevant financial adviser, retaining a portion for marketing, lead generation, compliance support, training, administration, and general business expenditure.

How Much Does Our Service Cost?

All initial consultations with SMART do not bear any up front professional service fees. By doing so, we believe that we can help more New Zealanders achieve their financial goals.

For any Loans and Finance SMART may charge a fee for the financial advice provided under the following circumstances

• If the loan is less than $200,000
• If we obtain a pre-approved loan offer that meets your specified needs and then you decide not to proceed with the offer through us
• A cancellation fee for the financial advice provided to a client If the loan is repaid in full or part or re-financed within 28 months of inception

For any Insurance SMART may charge a cancellation fee for the financial advice provided to a client where the client cancels or reduces a life or health insurance policy within two years of inception.

Generally any fees payable for Insurance or Lending related work are to compensate for the costs associated with providing the advice and the time taken by a SMART Financial Adviser.

The manner in which any fee is payable will be advised at the time advice is provided to the client.

Conflicts Of Interest And Incentives

From time to time, product providers may invite us to their own sponsored events or give us tickets for events, gifts or other incentives.

To ensure that our financial advisers prioritise the client’s interest above their own, they follow an advice process that ensures the recommendations are made on the basis of the clients goals and circumstances.

All our financial advisers undergo regular training about how to manage conflicts of interests. We maintain registers of conflicts of interest, and the gifts and incentives we receive.

SMART monitors these registers and provides additional training where necessary.

SMART undertakes a audit and review of our compliance programme annually.

Identity Verification (AML/CFT)

As a reporting entity under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, we are required by law to verify the identity of our clients before providing certain financial services. You will be asked to provide identification documents as part of the onboarding process. This information is held securely and used only for legal compliance purposes.

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Complaints

If you are not satisfied with our financial advice service, please refer to our Complaints page at www.smartbrokers.co.nz/complaints for our full internal complaints process.

In summary:

• You can lodge a complaint by emailing info@smartbrokers.co.nz, calling 0800 405 801, or completing the complaint form on our website
• We will acknowledge your complaint within 5 working days
• We aim to resolve complaints within 8 weeks

If we cannot resolve your complaint, or if you are not satisfied with our proposed resolution, you may contact our approved external dispute resolution scheme:

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This Disclosure Information was last updated on 30 June 2026.

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