Regulatory Disclosure

We have nothing to hide.
Here's everything you need to know.

New Zealand financial advice law requires us to disclose who we are, what we can advise on, and how we're paid — before we give you any advice. We think transparency is good for everyone, so here it is in plain language.

Download our Disclosure Statements

These are the formal documents required by the Financial Markets Authority (FMA) under the Financial Markets Conduct Act 2013. Read them at your leisure — and ask us anything you're not sure about.

Transition Period
Fundsmart Limited
Fundsmart Disclosure Statement
During a four-week transition period, mortgage advice provided through MapMy Financial Group is delivered under Fundsmart's Financial Advice Provider (FAP) licence. This document explains the scope of that relationship and what it means for you.
Covers advice on
Home loans — new purchases & refinancing
Investment property lending
Mortgage structuring & strategy
Download Fundsmart Disclosure
Current
MapMy Financial Group
MMFG Disclosure Statement
Our primary disclosure document, prepared under MapMy Financial Group's own Financial Advice Provider licence. This covers the majority of advice services we provide across KiwiSaver, managed funds, and property-related analysis.
Covers advice on
KiwiSaver — fund type, provider, contributions
Managed funds & investment structuring
Property investment analysis
Download MMFG Disclosure
What does this all mean?

Here's the short version — no jargon.

We're regulated
MapMy Financial Group holds a Financial Advice Provider licence issued by the Financial Markets Authority (FMA). This means we're legally accountable for the advice we give you — not just morally.
You have rights
You're entitled to clear, honest advice that puts your interests first. You can ask us how we're paid, what we recommend and why, and how to make a complaint — at any time, no question is too small.
How we're paid
For mortgage and lending advice we receive commissions from lenders — at no cost to you. For investment advice, we may charge a fee or receive a trail commission from fund providers. This is all set out in full in each disclosure statement.
What we can and can't advise on

Our advisers are qualified and licensed in specific areas. Here's a straightforward breakdown.

In scope — we can help with this
Home loans — first home, refinancing, investment property, top-ups
KiwiSaver — provider selection, fund type, contribution strategy
Managed funds and investment structuring
Property investment analysis and cashflow modelling
Retirement income planning and decumulation strategy
Employee financial wellbeing programmes (B2B)
Personal lending — debt consolidation, asset finance
Outside scope — we'll refer you elsewhere
Direct share trading or stockbroking
Tax advice (we work alongside your accountant)
Life, health or general insurance products
Legal advice (we'll point you to a good solicitor)
Cryptocurrency or alternative investments
If something isn't right

We take complaints seriously and have a straightforward process for resolving them.

Step 1 — Talk to us
Get in touch directly and tell us what's happened. Most concerns are resolved quickly at this stage. We'll acknowledge your complaint within 2 working days and aim to resolve it within 10.
Step 2 — Escalate internally
If you're not satisfied with our response, you can ask for the matter to be reviewed by a senior member of the team. You'll receive a written response setting out our position.
Step 3 — External resolution
If we still can't reach agreement, you can take your complaint to our approved dispute resolution scheme — Financial Services Complaints Limited (FSCL) — at no cost to you.
Regulatory notice: MapMy Financial Group is a registered Financial Advice Provider under the Financial Markets Conduct Act 2013. Our advisers are authorised to give advice within the scope described in our disclosure documents. All advice is subject to our internal policies, the Code of Professional Conduct for Financial Advice Services, and FMA oversight. For FMA registration details, visit companiesoffice.govt.nz or the FMA's financial service providers register.

Got a question about our disclosure?

We're happy to walk you through any of this in plain language before you commit to anything. No obligation, no pressure.

Talk to an adviser