Terms of Engagement

These Terms of Engagement set out the basis on which The Mortgage Boutique (TMB Limited), through Hilary Johnson, provides financial advice services to you.

Our Services

We provide financial advice in relation to residential mortgage lending, including first home purchases, investment properties, refinancing, and loan restructuring. Our advice is limited to these areas.

Our Obligations to You

We are bound by the duties set out in the Financial Markets Conduct Act 2013. We will act with competence, knowledge, and skill; prioritise your interests; exercise care, diligence, and skill; and meet standards of ethical behaviour.

Your Obligations

You agree to provide accurate and complete information to enable us to provide appropriate financial advice. If your circumstances change, please let us know as this may affect the advice we provide.

Fees

Our services are generally provided at no charge to you. We receive commissions from lenders when a loan is settled. In some circumstances, a fee may apply if no commission is payable or in the event of a clawback. Any applicable fee will be disclosed to you in advance.

Limitation of Liability

To the extent permitted by law, our liability is limited to direct losses arising from our negligence or breach of duty. We are not liable for consequential or indirect losses.

Complaints

If you have a complaint, please contact Hilary Johnson at interest.tmb@gmail.com or 021 277 8080. If we cannot resolve your complaint, you may refer it to FSCL at www.fscl.org.nz or 0800 347 257.

Governing Law

These terms are governed by the laws of New Zealand.