Financial Advice Provider

Disclosure Statement for Skyblue Finance Limited

FSP1006897   

NZBN: 9429051909369

 It is important that you read this document. (This document was prepared on (06/07/2026)

This information in this disclosure statement is important. It is intended to help you to find a financial advice provider that meets your needs.

Licensing Information

Skyblue Finance Limited Trading as Skyblue Finance (FSP1006897) holds a Full Financial Advice Provider licence Class 2 (FSP1006897) issued by the Financial Markets Authority (FMA) to provide financial advice services. General information is also provided to customers through our website, newsletters and other digital publications. Please follow this link to search the FSP register: Financial Service Providers Register (companiesoffice.govt.nz)

We provide financial advice on Mortgage Products and Consumer Credit Contracts. We encourage you to read the important information below, which may help you decide whether our services meet your financial needs.

 Nature and Scope of financial services

Skyblue Finance provides financial advice about mortgage and lending needs provided by the following product providers:

ANZ, ASB, BNZ, KIWI BANK, WESTPAC,ASAP FINANCE,AVANTI FINANCE,CHINA CONSTRUCTION BANK,CFML, CO-OPERATIVE BANK,FINBASE,GEM,GOLEND, LIBERTY FINANCIAL,PEPPER MONEY,PROSPA, RESIMAC,SBS,UNITY,XCEDA FINANCE

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)

Refinancing

Refix

Mortgage restructuring

Investment property loans

Business and Commercial loans

Construction and home improvement loans

Debt Consolidation

Please note that we do not provide financial advice or services in the following areas:

Estate planning, including wills, enduring powers of attorney, or any type of trust

Investment products, such as shares, bonds, managed funds, or KiwiSaver

General insurance (e.g., house, contents, car, or travel insurance) and Peronal Risk insurance products ,these enquiries are referred to a suitably qualitfied third party.

If you require advice in any of these areas, we recommend contacting a licensed specialist or professional who can assist you appropriately.

 Commissions/ Fees, expenses, or other amounts payable

With most transactions there is no cost to you, the client, because we will receive commission/fee with one of these modes:

• Commission: Some banks/lenders pay Upfront commission range from 0.2% to 0.9% depending on the bank.
• Service fee/Trail Commission: Some banks/lenders pay trail commission from 0.1% to 0.4% per annum until the loan is paid in full.
• Refix remuneration from lenders up to $200 may apply.
• Referral fee: Anywhere from 0.5% to 30% from net commission.

Our financial advisers may receive a proportion of these commissions. There are, however, a minority of the product providers that may charge a brokerage fee to you, the client, and may pass some or all this fee to Skyblue Finance Limited Trading as Skyblue Finance (FSP1006897). Our financial advisers may also negotiate and charge you, the client, for a nominal fee for our services depending on the circumstances. 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 SOA or Disclosure 3.

 Clawback Recovery fee:

If the loan is repaid within 27 months of settlement (the ‘Clawback Period), Skyblue Finance Limited may have some or all the original upfront commission ‘clawed back’ by the provider. To ensure that Skyblue Finance Limited is fairly compensated for the services originally provided to you, we may see to recover some or all of cost from you via a clawback recovery fee.

Fee for our financial advice = $2,500 for 10 hours of work, calculated at an hourly rate of $250.

Examples of when we charge you a clawback fee include:

The property is refinanced within the clawback period and Skyblue Finance Limited was not given the opportunity to arrange the Refinance.

The property is sold, and the loan is repaid within the clawback period.

Admin Fees – Change of Financial adviser after Approval:

If a client changes their mind about using a particular financial adviser after receiving conditional approval, there’s a charge of $2,500. This fee covers the time and effort expended by the broker, calculated at $250 per hour for 10 hours of work.

 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.

If a brokerage fee is charged, clawback fees (fees charged when a client cancels a mortgage before maturity) will not be applicable.

 Conflict of Interest and incentives

Skyblue Finance Limited and our financial advisers receive commissions from lending product providers through whom 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 received varies by provider and is generally calculated as a percentage of the lending amount, insurance premium, or KiwiSaver balance.

More specific details of these commissions will be provided to you during our first meeting once we have a clear understanding of your goals. Commission details will also be disclosed again at the time the advice is given.

We only receive commissions from providers whose products we recommend and provide financial advice on. To ensure that our financial advisers always prioritise our clients’ interests, we follow a structured advice process that ensures all recommendations are based solely on each client’s individual goals, needs, and circumstances. Our advisers also receive training on identifying, disclosing, and managing conflicts of interest.

To manage and mitigate conflicts of interest, we:

Inform clients of any actual or potential conflicts of interest, even if those conflicts have not influenced our advice or recommendations.

Notify clients promptly if we become aware of a conflict of interest while providing financial advice.

Discuss the conflict of interest with the client, explain how it will be managed, and ensure the client continues to receive appropriate financial advice.

Proceed with the advice only after the client has provided written acceptance of our plan to manage the conflict and has confirmed they are comfortable continuing the engagement.

Record all identified conflicts of interest and the actions taken to manage them in our Conflicts Register.

If we pay any referral fee to a person who recommended you to us, this will be disclosed to our clients in Statement of Advice. Any such referral fee does not directly or indirectly influence our advice or recommendation process.

 Referral Fees: We reward our clients, who refer us business by way of Movie Vouchers, Restaurant Vouchers and Gift cards, when they refer their friends and family to us for their mortgage needs.

We also pay and receive referral commissions from real estate agents who introduce clients looking to sell their homes to us, and for us introducing clients to them. Similarly, we work with property managers who refer clients to us, and we refer to them. Depending on the service required, these commissions range from 5% to 30% of the net commission, varying by referral source.

We provide full disclosure in writing to our clients regarding the nature, purpose, and amount of commission received from interested parties involved in the referral.

 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.

 Dispute Resolution Process:

Internal Complaints Process:

If our client is dissatisfied with our financial advice service, they can contact Ajaib Singh Maan (Director) at +64 27 390 0007 or send an email to Skybluefinance@outlook.co.nz with their complaints.
We also accept letters from them at Unit E1, 197 Great South Road Takanini, Auckland 2112

We will email our client to confirm receipt of the complaint within 2 working days of it being received. After reviewing the complaint, we will notify our client in writing of our plan to address it. To learn more about our client’s issue, we may need to get in touch with them.

After receiving a complaint, we try to address it within 10 working days. We shall notify our client that we require further time to review their complaint if we are unable to resolve it in 10 working days after receiving it. If the complaint remains unresolved after 30 working days,or the client disagrees with the outcome,issue a deadlock letter.The letter must include FSCL Contact Details and advise the client ,they may refer the complaint within 3 months.

External Complaints Process: Our client can get in touch with Financial Services Compliant Limited (FSCL) if we are unable to address their complaint or if they are unhappy with the solution we suggest. To assist with the investigation or resolution of complaints made against financial service providers that are also participants in their scheme, FSCL offers a free, impartial dispute resolution service.

Customers can reach FSCL by phone at 0800 347 257 or by email at complaints@fscl.org.nz. Additionally, they may write to FSLC at Wellington, 6140, PO Box 5967.
FSCL membership number is-9202.

 Duties information

Skyblue Finance 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: Skybluefinance@outlook.co.nz

Contact: +64 27 390 0007

Address: Unit E1, 197 Great South Road Takanini, Auckland 2112

Website-www.skybluefinance.co.nz

A written copy of this information is available on request.