A rough range is fine. No documents or bank logins needed to see where you stand.
Nathan (FSP 27002) provides regulated financial advice on behalf of Navigate Financial Limited, a licensed Financial Advice Provider.
Lenders we work with: ANZ, ASB, BNZ, Westpac, Kiwibank, ASAP Finance, Avanti, Basecorp, Cooperative Bank, CMFL, Bank of China, Bluestone, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, Liberty, Pepper Money, Plus Finance, Prospa, Resimac, SBS, TSB, AIA Go Home Loans, Pallas Capital and Southern Cross Partners.
We do not provide financial advice on legal or estate planning (e.g. wills, trusts, contracts), general insurance, personal insurance, or investment products (e.g. shares, bonds, managed funds, KiwiSaver). You will need to consult an appropriate specialist for advice on those.
I may receive commissions at settlement from the relevant lender if you take out a mortgage following my advice. These commissions are between 0.55% and 1% of the initial mortgage balance or amount funded. I may also receive 0.15% to 0.2% of the mortgage balance each month the loan is active. The commission I receive is shared with Navigate Financial Limited for providing compliance support, training and back-office support.
I am paid commissions by lenders when a mortgage settles and, in some cases, trail income monthly. I prioritise your interests by following an advice process that considers your circumstances and goals, and research suitable products and providers to ensure the advice meets your needs. I undergo annual training on managing conflicts of interest and record any conflicts in a register we review and manage. Navigate Financial Limited is subject to a yearly audit and compliance reviews.
I do not charge you a fee if you decide to take a loan — the lender may pay us a commission when your loan settles. However, I may charge you for the financial advice I provide if you cancel or refinance your mortgage within the first two years after it settles, calculated as: $3,000 for 15 hours of work at $200 per hour. We will invoice you for this fee, payable on the 20th of the month following cancellation.
A reliability event is something that may materially influence your decision on seeking advice from Navigate Financial Limited or from Nathan — for example, legal proceedings or a bankruptcy in the last four years. Neither Navigate Financial Limited nor Nathan has been subject to a reliability event.
Where we collect your personal information from someone other than you, we will take reasonable steps to notify you, including the purpose of collection, the intended recipients, the name and address of the agency collecting and holding the information, whether the collection is required by law, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020.
Read our full disclosure statement and privacy policy.
