Licensing information and scope of our financial advice.
PJ Capital Investments Limited is a licensed Financial Advice Provider (FSP1008825) regulated by the Financial Markets Authority (FMA).
The information below will help you understand what type of advice we can provide to you.
We only provide financial advice in relation to mortgages and personal loans from the following lenders. We source loans from a panel of lenders. The current lenders we can use include:
The types of financial advice products we can give advice on are:
Our financial advice is limited to the mortgage and lending services we are authorised to provide.
We do not provide:
Where appropriate, we may recommend that you seek independent advice from qualified legal, accounting or investment professionals before making financial decisions.
Neither we nor our advisers have been subject to any reliability events. A reliability event is something that might materially influence you in deciding whether to seek advice from us.
We do not normally charge fees for the financial advice we provide. However, in certain circumstances, we may need to charge a fee for our time. This fee is based on $250+GST per hour.
Some examples of where this fee might be charged is:
We will always disclose this to you and obtain your agreement in advance. If a fee is charged by us it will be payable within 30 days from the date you receive the Invoice.
We are paid in the form of commission from the lender if you take out a loan following our advice. The amount of the commission paid depends on the lender and product selected.
Typically, we receive an upfront commission between 0.40% and 0.90% of the loan amount and an annual ongoing (trail) commission for every year the loan is in place.
We will provide specific details of this commission at the time our advice is given.
PJ Capital Investments Limited and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.
We are required to:
If you are not satisfied with our service or financial advice, please tell us as soon as possible.
Call: Leo Du
Telephone: 021 064 1995
Email: info@pjcapital.co.nz
Write to: Level 2, 109 Queen Street, Auckland CBD, New Zealand
If we cannot agree on how to resolve your complaint, or if you decide not to use our internal complaints scheme, you can contact our external dispute resolution scheme, Financial Services Complaints Limited (FSCL). FSCL provides a free and independent dispute resolution service that may help to investigate or resolve your complaint if we have not been able to do so to your satisfaction. This service is free of charge to you.
Financial Services Complaints Limited (FSCL)
Website: www.fscl.org.nz
Post: PO Box 5967, Wellington 6140
Email: complaints@fscl.org.nz
Call: 0800 347 257
PJ Capital Investments Limited | FSP1008825
Call: 021 064 1995
Email: info@pjcapital.co.nz
Write to: Level 2, 109 Queen Street, Auckland CBD, New Zealand