CSFS Limited is a Licensed Financial Advice Provider approved by the FMA to provide Financial Advice services.
Financial Services Provider (FSP) number is FSP1009770
FSP Name
CSFS Limited
NZBN
9429048893404
Trading As The Loan Supply Company
FSP Registration Date
17 April 2025
CSFS Limited (FSP1009770) is an Authorised Body under full licence with NZ FINANCIAL SERVICES GROUP LIMITED (FSP286965) (NZBN: 9429030335615)
Email: hello@loansupply.nz
Phone: 0800 10 11 36
Address: PO Box 50, Rolleston, 7643
Web: www.loansupply.nz
Generally, we don’t charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position, which are explained below.
We may charge you a one-off fee in the following situations:
This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers.
Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs in writing with you prior to incurring them.
From time to time, we may refer you to other professionals or service providers if we believe their products or services could help meet your needs. These may include:
We make referrals when we believe another provider offers expertise, products, or services outside the scope of what we can directly provide, or when it may be in your best interests to consider other options.
We may receive a referral fee, commission, or other benefit from the service provider we refer you to. The amount or nature of this benefit will be disclosed to you before or at the time of the referral. If no benefit is received, we will also confirm this.
You are under no obligation to use the services of any provider we refer you to. You may choose any service provider you prefer.
We’re here for our clients and to provide you with the best possible advice. Your interests remain our priority, although we do have business relationships with product providers also.
The Loan Supply Company and our financial advisers receive commissions from the lenders we recommend to you.
Ongoing Trail Commission: a percentage of the value of the outstanding loan amount, usually calculated at the end of each month in which you hold the loan.
To ensure that our Financial Advisers prioritise your interests above their own, we operate a framework of policies and follow the 6-Step Advice Process that ensures our recommendations are made based on your goals and circumstances.
Our Financial Advisers undergo regular audit reviews and receive training.
We put you the customer and your needs first. We will understand what your wants and needs are. Furthermore, we will describe our services we offer, and what we can’t offer.
As a minimum, we will provide you with:
This step is achieved using the Fact Find and having a discussion with you. We will gather documents from you that the lender will require to assess a loan application such as bank statements and pay slips.
At this step of the advice process, our Financial Adviser uses their combined knowledge, skill and experience to come up with a recommendation. This should be tailored for your specific needs.
We will endeavour to get your loan submitted and as soon as possible provide you with the confidence and comfort to move forward.
The lender should have all the information required to make a decision on your loan. We will produce a Game Plan for you.
We will be your ongoing contact and help you when your needs require it.
If you have a complaint about our service, you need to tell us about it. You can contact our internal complaints service by phoning us on 0800 10 11 36 or emailing us at hello@loansupply.nz with the heading Complaint – (Your Name).
Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues.
We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we’ll let you know.
If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you.
Details of this service are:
Financial Services Complaints Limited
Phone: 0800 347 257
Email: complaints@fscl.org.nz
We are bound by the duties of the Financial Markets Conduct Act to meet the standards of competence, knowledge and skill as set out in the Code of Conduct for Financial Advice Providers. We give priority to our clients’ interest and we exercise care, diligence and skill. We meet the standards of ethical behaviour, conduct and client care as set out in the Code of Conduct.
