Publicly Available Disclosure

Important Information About Our Company

Company Name: AML Home Loans, trading name for AML Financial Services Limited.

FSP Number: 714337

Phone: 0800 396 396

Email: support@amlhomeloans.co.nz

Licence Status

AML Financial Services Limited holds a licence issued by the Financial Markets Authority to provide financial advice.

You can check that your adviser is a registered financial adviser at www.fspr.govt.nz.

Our Services and Lending Options

AML Home Loans provides financial advice about mortgage and lending products from a range of bank and non-bank lenders.

All our Mortgage Advisers are Registered Financial Advisers, specialising in providing advice on mortgage-related products only.

• Home Loans
• Commercial Property Finance
• Refinance
• Investment Loans

Providers We Work With

We provide financial advice on products from the following providers:

Banks

Non-Bank Lenders

Adviser Experience

All of our advisers have a wide range of experience. When you meet your adviser, they will go through a personal disclosure document with you to fully explain their professional background and provide assurance that they are well equipped to provide you with mortgage advice.

How We Are Paid

Fees, Expenses, and Remuneration

We do not charge upfront fees, expenses, or other amounts for the initial financial advice given to you.

The commissions are between 0.55% and 0.90% of the initial mortgage balance or amount funded. We may/will also receive 0.15% to 0.20% of the mortgage balance on each anniversary.

Some banks pay $150 for refixing the existing mortgage and some banks pay trail commission. A full schedule of all providers and their commission rates is available upon request.

We may also receive a share of commission on the insurance of a risk insurance policy.

Commission from insurance providers, including AIA, Cigna, and Partners Life, may be 100% to 200% of the total annual premium. We may also receive 5% to 10% of each year’s premiums, depending on the insurance company, for as long as the policy remains in force.

Privacy and Data Handling

Updated for IPP3A Compliance

All communications and information provided are subject to the New Zealand Privacy Act 2020. To properly assess your needs and provide you with financial advice, we must collect your personal information.

Direct & Indirect Collection: We generally collect information directly from you. However, under Information Privacy Principle 3A, effective 1 May 2026, you are notified that we also routinely collect personal information about you indirectly from third parties. This includes collecting information from credit reporting agencies, marketing organisations, your nominated representatives, such as a legal adviser, your employer, or publicly available sources.

Information Sharing with Lenders: To properly conduct our business and facilitate your applications, it is necessary to share your personal information with intended lenders. This includes sharing your information with the lenders on our panel, both banks and non-banks, as well as non-panel lenders, such as institutional and sophisticated investors.

We do not share your information with any other party without your approval. Upon request, you are allowed access to any information held about you in your file, and you can ask for it to be corrected if it is inaccurate. All mortgage paperwork is securely destroyed after 7 years.

Professional Indemnity Insurance

We have $2 million of Professional Indemnity cover, with maximum cover of $1 million per claim. In proven cases, this protects our clients from financial loss due to fraud, gross negligence, gross misrepresentation, and similar matters if perpetrated by us.

Legal and Accounting Issues

Any discussions on legal and accounting issues do not replace advice from professionally qualified specialist advisers, including solicitors and accountants. We recommend that you obtain such independent and specialist advice.

Disclosures and Record

In the preceding five years, nobody employed by AML Home Loans has been:

• The subject of a successful claim for dishonesty, negligence, or misrepresentation under any Professional Indemnity Insurance Policy held by us or on our behalf.
• Convicted of an offence of dishonesty or any relevant offence under any Act or law applicable in New Zealand, nor been a director of a company so convicted.
• Adjudicated bankrupt, nor are an undischarged bankrupt, nor have had a bankruptcy discharged.
• Prohibited by law from taking part in the management of a company.
• Subject to any proceedings currently being taken against us, or any company of which we are a director, under any of the above, or with respect to our accredited membership of the New Zealand Mortgage Brokers’ Association.

Duty of Care

Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are:

• 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.
• Give priority to your interests.
• Exercise care, diligence, and skill.

What Should You Do If Something Goes Wrong?

If you have a problem, concern, or complaint about any part of the service you receive from an AML Home Loans adviser, please contact your adviser or AML Home Loans directly so we can try to fix the problem.

You may use our internal disputes service by telephoning Kundan Singh on 022 354 0529 or emailing support@amlhomeloans.co.nz.

Upon receipt of the complaint, we will contact you by email within 2 working days to acknowledge receiving it. We will assess the complaint, potentially ask for additional information, and inform you in writing about how we intend to resolve it.

We aim to resolve complaints within 10 working days of receiving them. If we cannot resolve the complaint within that time, we will contact you to let you know we need more time to consider your complaint.