Financial Advice Provider

Disclosure Statement of Pathway Mortgages Limited (NZBN: 9429052005145)

It is important that you read this document. (This document was updated on 01/05/2026)

Licensing Information

Pathway Mortgages Limited (FSP1007193), is a Financial Advice Provider (FAP) licensed and regulated by the Financial Market Authority

Nature and Scope of advice

We help our clients with their lending and mortgage needs. The types of financial products we
can help you with include the following:

• Home loans (First Home Buyers)
• Investment property loans
• Refinancing
• Business and Commercial loans
• Construction and home improvement loans
• Mortgage restructuring
• Debt Consolidation

We can only provide advice to clients about the below mentioned financial providers:

• ANZ Bank
• ASB Bank
• BNZ Bank
• Westpac 
• Kiwibank
• Co-Operative Bank
• SBS
• China Construction Bank
• Unity
• Sovereign Home Loans (AIA Go home loan)
• Liberty
• Resimac
• Pepper Money
• Avanti Finance
• Prospa
• Gem Visa
• ASAP Finance
• Bizcap

We do not provide advice in respect of the following products:

• Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products
• Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description)
• General Insurance products and Personal Risk Insurance products, these enquiries are referred to a suitably qualified third party. You will need to consult appropriate specialists if you would like advice on any of the abovementioned products.

Commissions

We will receive an upfront commission from the product issuer if you decide to accept a home loan product that we recommend to you.

There aren’t any fees payable by you for my services (including financial advice) unless we discuss and disclose the proposed fee and payment terms to you, which will become apparent once we’ve reviewed the loan requirements. Fees will only be payable in very limited circumstances (e.g. bridging loans or very short-dated loans which may not result in a commission being paid) and will only be charged following your formal acceptance of that fee.

Except in some situations noted above, we receive commissions from lenders when you draw down a loan (mortgage) with them. In some cases, we may receive ongoing (trail) commissions. We may also receive a commission from some lenders if we assist you in restructuring or refixing the interest rate for your loan. The commission structure varies between lenders from 0.40% to 1.00% of the loan amount and some lenders will provide an ongoing income of between 0.1% and 0.20% each year thereafter.

Refix remuneration from lenders up to $200 may apply.

Any fee required to be paid will also be disclosed to you in the Statement of Advice and Final Disclosure provided to you by our financial advisers. Exact remuneration will also be disclosed to you in our Statement of advice.

Service/Brokerage Fees for Private Lenders/Non-Bank Lenders:

When applying for a loan through a private or second-tier lender, the brokerage fee is typically 1% of the loan amount.

There might be a possibility to reduce this fee for existing clients as a gesture of goodwill.

Conflicts of Interest and Incentives

Pathway Mortgages and our financial advisers may receive commissions from the lending product providers through which we place business, and only when you take out a mortgage arranged by us. We may also receive commissions when we refer you to insurance, business finance, or KiwiSaver providers.

The amount of commission we receive varies by provider and is typically calculated as a percentage of the lending amount, insurance premium, or KiwiSaver balance.

We will provide more specific details about these commissions during our first meeting, once we have a clear understanding of your goals and circumstances. Full commission details will also be disclosed again at the time our advice is provided.

Referral Fees

We may provide non-monetary rewards, such as movie vouchers, restaurant vouchers, or gift cards, to clients who refer friends and family to us for mortgage services.

We may also pay or receive referral commissions from third parties, including real estate agents, property managers, and insurance advisers. This may occur where they refer clients to us, or where we refer clients to them. Depending on the service involved, these commissions typically range from 5% to 40% of the net commission and may vary by referral source.

We will provide full written disclosure of the nature, purpose, and amount of any referral fee or commission to ensure you are fully informed.

How We Manage Conflicts of Interest

To ensure that our financial advisers prioritise your interests, we have the following processes in place:

We follow a structured advice process to ensure our recommendations are appropriate and based on your individual goals and circumstances.

All advisers complete regular training on identifying and managing conflicts of interest.

We undertake an annual independent Compliance Assurance Review.

In addition, we actively manage any actual or potential conflicts of interest by:

Disclosing any conflicts (actual or potential) to you as soon as we become aware of them.

Explaining how the conflict may affect our advice and the steps we will take to manage it.

Recording identified conflicts and the actions taken to mitigate them in our Conflicts Register.

Proceeding with our advice only once you are fully informed and comfortable with how the conflict is being managed.

If we pay any referral fee to a person who has introduced you to us, this will be disclosed in your Statement of Advice. This will not influence our recommendations, which will always be based on your best interests.

Your Obligations:

Any advice or product implementation provided as a result of this needs analysis can only be as good as the information received from you, so we ask that you provide me with the information requested. Without relevant and correct information about your personal and financial situation we run the risk of giving advice that is not appropriate for your needs. If you are unsure as to why we need certain information, please ask so that we can explain.

Privacy Act 2020

It is acknowledged that any information collected for this needs analysis is private, and we promise to protect and maintain the privacy of this information.

You have the right to ask for access to and correction of your personal data under the Privacy Act of 2020.

Information provided by you and or any authorized agent will be used by us and any members of my staff for the purpose of providing advice to you.

It may also be used by any of the following: Product or service provider when putting any of my/our recommendations—or modifications to them—into practice; compliance advisers, assessors, or claims investigators who might require access to such data; and other experts, like financial planners, accountants, lawyers, or finance brokers, when their services are needed to supplement this advice and at your request.

Dispute Resolution Process:

Internal Complaints Process:

If our client is dissatisfied with our financial advice service, they can contact Taranpreet Singh Narang (Director) at 0212036174 or send an email to Taran@pathwaymortgages.co.nz with their complaints.

We also accept letters from them at 10 Brumbie Way Karaka 2113.

Upon receipt of the complaint, We will contact our client within 2 working days by email to acknowledge receiving it. We will assess the complaint and inform our client in writing about how we intend to resolve it. We may need to contact our clients to get further information about their complaint. We aim to resolve complaints within 10 working days of receiving them. If we can’t resolve the complaint within 10 working days of receiving it, we will contact our client within that time to let them know we need more time to consider their complaint.

External Complaints Process:

If we can’t resolve our client’s complaint, or if our client is not satisfied with the way we propose to resolve the complaint, our client can contact Financial Services Compliant Limited (FSCL). FSCL provides a free, independent dispute resolution service that may help investigate or resolve complaints against financial service providers who also are members of their scheme. Clients can contact FSCL by emailing complaints@fscl.org.nz or by calling: 0800 347 257. They can also write to FSLC at: PO Box 5967, Wellington 6140.

FSCL membership number is 9210

Duties information

Pathway Mortgages Limited and our adviser have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

• Give priority to the clients’ interest.
• Act with transparency.
• Exercise care, diligence and skill and meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.
• Meet the standards of competence, knowledge and skill and the standards of ethical behaviour, conduct and client care set out in the Code of Professional Conduct for Financial Advice Providers

Our contact details:

Email: Taran@pathwaymortgages.co.nz

Contact: +64 212036174

Address: 10 Brumbie Way, Karaka 2113.

A written copy of this information is available on request.