Important Information

Contact Quantum

Our Business Details

The Quantum Group of services includes the following entities, Financial Advice Providers, and services:

Quantum Finance Limited is a Licensed Financial Advice Provider approved by the FMA to provide Financial Advice services.

Financial Services Provider (FSP) number 751471.

The special condition on our Licence notes that we have six Authorised Bodies as detailed below.

  1. Quantum Finance NZ Limited (FSP 748272)
  2. Quantum Risk Limited (FSP 558167)
  3. Quantum Finance BOP Limited (FSP 1003172)
  4. Quantum Finance Auckland Limited (FSP 1003910)
  5. Amor Insurance Services Limited (FSP 769091)
  6. Quantum Asset Finance Limited (FSP 1005650)

Our office contact details:

Email: [email protected]
Phone: 0800BROKER (0800 276 537)
Address: B2/99 Greenwood Street, Frankton, Hamilton 3204
Web: www.quantumgroup.nz

Our Services

  • Home Loans, Investment Property Finance, and KiwiSaver
  • Business Finance
  • Life & Health Insurance
  • Vehicle, Asset, Machinery & Equipment Finance

Products we can advise on

  • Mortgage lending (Personal & Business)
  • Term life, Disability Income, Health Insurance, Family Income, Trauma, Total and Permanent Disability (TPD), Accidental Death, Mortgage Protection
  • Asset Finance (Personal & Business)
  • Fixed Rate Reviews
  • KiwiSaver

Product Providers we may recommend

Lending:

  • AIA
  • ANZ
  • ASAP
  • ASB
  • Avanti Finance
  • Basecorp
  • BNZ
  • CFML
  • Co-operative Bank
  • Cressida
  • DBR
  • FMT
  • Heartland
  • Kiwibank
  • Liberty
  • NZCU
  • Peppermoney
  • Prospa
  • Resimac
  • SBS
  • Select
  • Southern Cross
  • TSB
  • UDC
  • Westpac

Insurance:

  • Accuro
  • AIA
  • AMP
  • Asteron Life
  • Chubb Life
  • Fidelity Life
  • NIB
  • Partners Life

KiwiSaver:

  • Booster
  • Generate
  • Koura
  • Milford Asset Management
  • NZ Funds

For detailed information on the type of Financial Advice our advisers are qualified to give, and the product providers they are accredited to work with, visit the “Important information” link on each advisers website profile.

Fees & Expenses

Generally, Quantum Finance doesn't charge fees or expenses of any kind for the financial advice provided to our clients. This is possible because on settlement of a loan, issuing of a policy, or KiwiSaver funds under management, we usually receive commission from the lender or provider. But, there are exceptions (explained below) and your adviser will let you know if any of these will apply to you.

  1. PRORATED: a fee that is assessed to reflect an amount of time that is less than the full term included in your initial agreement
  2. CLAWBACK OF COMMISSION: if you choose to repay or refinance your home loan within 28 months of settlement, your lender will "clawback" the original commission payment from Quantum, according to their clawback rules. A "prorated" clawback fee will then be charged to your adviser. Your adviser may then on-charge you. Further details are available in the Advisers Welcome Book.

Other Costs

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 with you prior to incurring them.

Conflicts of interest

We're here for our clients and to advise you as best we can. Your interests remain our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.

Quantum Finance and our financial advisers receive commissions from the providers, insurers, and lenders we recommend to you. If you decide to act on our insurance, finance or KiwiSaver advice, Quantum Finance will receive a commission that will be shared with your adviser. That commission amount is based on your insurance premium, loan amount, or KiwiSaver balance.

Ongoing Trail Commission: a percentage of the value of the outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the loan, or on renewal of insurance products.

To ensure that our Financial Advisers prioritise your interests above their own, we operate a comprehensive and robust framework of policies and procedures, and follow an advice process that ensures our recommendations are made based on your goals and circumstances.

Our Financial Advisers undergo regular audit reviews and receive training about our policies and procedures, including managing conflicts of interest.

What should you do if something goes wrong?

If you have a problem, concern, or complaint about any part of my service, please tell me so I can try to fix the problem. You're also welcome to contact our internal disputes service by:

If we can't agree on how to resolve the issue, you can contact Financial Services Complaints Ltd. This service will cost you nothing and will help us resolve any disagreements. You can contact FSCL (Financial Services Complaints Ltd) by emailing [email protected], on 0800 347 257 or in writing to Financial Services Complaints Ltd, PO Box 5967, Lambton Quay, Wellington, 6145.

Duties information

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.

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