About Savvy Mortgages
At Savvy Mortgages, we pride ourselves on delivering more than just financial services. Our approach is rooted in creating a friendly, approachable experience that focuses on your individual needs and goals. We understand that securing a mortgage is a significant milestone, and our mission is to make this process as seamless and stress-free as possible.
Savvy Mortgages Limited trading as Savvy Mortgages
FSPR No: FSP1009206
Address: 59A Caronia Crescent, Lynfield, Auckland – 1042
Phone: +64 21 781 774
Email: nitin@savvynz.co.nz
Website: www.savvynz.co.nz
Licensing information
Savvy Mortgages Limited trading as Savvy Mortgages is a financial advice provider and holds a Financial Advice Provider license (FAP) issued by the New Zealand Financial Markets Authority.
Nature and Scope of Advice
We provide financial advice on Mortgage Products and Consumer Credit Contracts. We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us. Savvy Mortgages Limited trading as Savvy Mortgages will help you choose a loan that is suitable for your purpose from a panel of lenders (see below). Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval
| ANZ | ASB | Westpac | BNZ |
| The Cooperative Bank | TSB | MTF Finance | Unity |
| Kiwibank | SBS | AIA Go Home Loan | Avanti Finance Personal Lending |
| Pallas Capital | Pepper Money | Prospa | Southern Cross Partners |
| Basecorp | Bluestone NZ | BNZ | CFML |
| GEM By Latitude | General Finance | Heartland Bank | Liberty Financial |
| Cressida Capital | DBR | First Mortgage Trust | Funding Partners |
We do not provide advice in respect of the following products:
Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description); and
General Insurance products; and
Personal Risk Insurance products, these enquiries are referred to a suitably qualified third party.
Fees and expenses
Generally, Savvy Mortgages won’t charge you any fees for the financial advice we provide to you. This is possible because, on settlement of a loan, we usually receive commission from the lender. Any exceptions to this general position are explained below.
We may charge you a one-off fee if the following occurs:
When we don’t receive commission from the lender: If you request that we provide financial advice and we do not receive a commission from the lender, we may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before we complete the services and would be based on an estimate of the time spent providing the advice.
(This may arise in the rare event that you request that we provide services in relation to either a product that is offered by a lender that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers).
In the event you receive loan approval through my efforts, and subsequently choose to work directly with another lender or Adviser, you may be subject to a fee of up to $3,000. This fee is intended to cover the costs incurred and foregone commission in obtaining the loan approval on your behalf.
In certain circumstances, Savvy Mortgages may need to charge a fee for our time, but this will be discussed and agreed by you beforehand. More information on this will be included in
my written recommendations later. Here are examples of where fees may be charged:
Specialty residential home loan purchase
If you require a loan from a non-mainstream lender and/or there are complexities to your application, Savvy may charge you for their time. The fee is based on $250+GST per hour. Payment of this fee would be required by the 20th of the month following the invoice or on settlement of the loan.
An example of when such a fee may be charged is if there are credit impairments like defaults made in the past, or if the loan is more complex by nature.
We will always inform you when this is the case, and the fee payable will always be quoted to you before
proceeding with the additional work.
Early repayment
The commission received for implementing a home loan product pays for completing research and analysis of your information to ensure we select the most suitable product for you. The commission also covers the cost of my administration team which assists me to make our process
efficient and reliable.
If you repay or make a significant lump sum repayment on your home loan within 28 months from the date of drawdown, the lender may seek a return of the commission(claw back) paid to Savvy Mortgages. In this instance, Savvy Mortgages reserves the right to charge you a fee of up to the value of the claw back amount. Payment of this fee would be required by the 20th of the month following the invoice.
In some instances, you can avoid this fee being charged to you. To do so, please discuss your new lending
requirements with me prior to cancellation, reduction or other changes. I will be more than happy to restructure your lending to meet your changed circumstances and help you to avoid additional fees where possible.
You will be invoiced for any one-off fee and will be given 30 days to make payment.
Conflict of interests and Commissions
On settlement of a mortgage, we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan.
We will always do right by you and act in your best interest:
We will always recommend the best product for your purpose regardless of the type and amount of commission we will receive.
We will ensure the amount of any loan is in accordance with your identified needs.
We will provide you with the below table showing commission rates and types by product provider and the commission we receive on loans is calculated as a percentage of the loan.
| Lender | Upfront% | Trail% | Refix ($) |
| ANZ | 0.85% | 0.00% | $150 |
| Westpac | 0.60% | 0.20% | 0 |
| BNZ | 0.55% | 0.15% | 0 |
| ASB | 0.85% | 0.00% | $150 |
| Kiwibank | 0.55% | 0.15% | $150 |
| ASAP Finance Limited | 0.80% | 0.00% | 0 |
| Avanti Finance | 0.80% | 0.00% | 0 |
| Cressida | 1% | 0.00% | 0 |
| DBR | 1% | 0.00% | 0 |
| First Mortgage Trust | 1% | 0.00% | 0 |
| Heartland Bank | $500.00 (inc GST) | 0.25% | 0 |
| Liberty Finance | 0.60% | 0.15% | 0 |
| Unity | 0.50% | 0.00% | 0 |
| Pepper Money | 0.60% | 0.15% | 0 |
| Resimac | 0.60%-0.80% | 0.15% | 0 |
| SBS Bank | 0.80% | 0.15% | $150 |
| Select Home Loan | 0.60% | 0.15% | 0 |
| Southern Cross | 1% | 0.00% | 0 |
| AIA Go home loans | 0.60% | 0.20% | 0 |
| The Co-operative Bank | 0.70% | 0.00% | $150.00 |
| TSB | 0.85 | 0.00% | $150.00 |
| Basecorp Finance | 0.85% | 0.00% | 0 |
| ZIP Business | 1% | 0.00% | 0 |
| CFML | 1% | 0.00% | 0 |
Savvy Mortgages Limited trading as Savvy Mortgages FSP1009206 and its subsidiaries comply with the Privacy Act 2020.
This privacy statement sets out how we collect, hold, use and share your personal information. This does not limit or exclude any of your rights under the New Zealand Privacy Act 2020.
If you provide us with personal information through this website, we will protect your information as set out below. We may amend this privacy statement from time to time.
Savvy Mortgages Limited trading as Savvy Mortgages is a New Zealand registered company. Under this privacy statement we refer to our group of companies as “Savvy Mortgages”, “we”, “us” and “our”.
Savvy Mortgages Limited trading as Savvy Mortgages FSP1009206 is a licensed Financial Advice Provider. This means that businesses who operate under Savvy Mortgages Limited trading as Savvy Mortgages FSP1009206 license may provide financial advice to retail clients.
We may collect personal information about you when you provide information to us directly, and when you obtain services from us. We may also collect personal information about you from third parties where authorized by you and from public sources.
The type of personal information we may collect may include:
your contact details: name, address, phone number, email
documents that confirm your identity: your driver’s license, passport etc.
other information relevant to the service we will provide to you
We only collect and use personal information from you to be able to provide you with the products and services you have requested from us. We may provide you with information on our other services from time to time. We do not sell our client information or share it with third parties without your permission.
We will not hold your personal information for longer than is required for the purpose(s) for which it was collected (subject to any obligations at law to hold the information for longer periods).
We have cyber security safeguards in place to protect the information and we take reasonable steps to ensure that information will not be disclosed to any unauthorized person or organization. Our security measures include:
Security software
Anti-virus software
Back up processes
And other cyber security measures
We may electronically record and store personal information which we collect from you. When we do so, we will take all reasonable steps to keep it secure and prevent unauthorized disclosure.
However, we cannot promise that your personal information will not be accessed by an unauthorized person (e.g. a hacker) or that unauthorized disclosures will not occur. If we provide you with any passwords or other security devices, it is important that you keep these confidential and do not allow them to be used by any other person. You should notify us immediately if the security of your password or security device is breached, this will help prevent the unauthorized disclosure of your personal information.
When we share your data with a third party, we have contracts in place with them which requires them to have in place the technical and organizational measures necessary to protect your personal data, however many such providers are subject to different privacy laws and controls to New Zealand and hence we cannot provide absolute surety that those providers will not comply with their obligations to us, and divulge your personal data.
We take reasonable steps to ensure that personal information held by us is accurate and up-to-date. You are entitled to obtain from us confirmation as to whether or not we hold personal information about you and you are entitled to reasonable access to this information, and to ask for it to be corrected if you think it is wrong.
If you’d like to ask for a copy of your information and have it corrected, or would like to be removed from any of our subscription lists at any time, then please contact us at nitin@savvynz.co.nz
While we take reasonable steps to maintain secure internet connections, any information you provide over the internet is provided at your own risk.
If you are concerned about how your personal information is being handled or if you feel that we have compromised your privacy in some way, please contact us at:
nitin@savvynz.co.nz
We will acknowledge your complaint within three working days of its receipt. We will let you know if we need any further information from you to investigate your complaint.
We aim to resolve complaints as quickly as possible. We strive to resolve complaints within five working days, but some complaints take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response.
If you are not satisfied with our response to any privacy related concern, you may lodge a complaint on the Privacy Office website (www.privacy.org.nz) or send a complaint form to the Privacy Commissioner at:
Office of the Privacy Commissioner
P O Box 10-094
Wellington 6143, New Zealand
Fax: 04- 474 7595
Email: enquiries@privacy.org.nz
Telephone: 0800 803 909
Website: www.privacy.org.nz
Complaints
We are always looking for ways to improve our service to you. If something has gone wrong, we want to know.
Please send an email to nitin@savvynz.co.nz and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to the email.
When we receive your complaint, we will:
If we cannot agree on how to resolve the complaint, you can contact
Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs.
FSCL’s service does not cost you anything and they will help resolve the complaint.
You can contact FSCL:
Empowering you with knowledge, clarity, and confidence—At Savvy Mortgages we ensure that you are equipped to make smart decisions that align with your financial goals. From first homes to refinancing and development deals, we’re here to guide you every step of the way. Let’s turn your financial aspirations into reality!
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