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Important Information

About Fearless Financial Limited  FSP1005261

Licence status and conditions

Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service. 

Fearless Financial Limited  FSP1005261 is authorised by that licence to provide financial advice service. 

Our contact details are:

Address: 41 Maude Street, Riverhead, 0820, New Zealand

Telephone: 0204 11 22 481


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.


Nature and scope of financial advice service

We engage financial advisers to provide financial advice on the following financial products:

Residential and personal loan products

We, through our advisers, provide financial advice service about loan products only from the following providers (also known as lenders):

  • ANZ Bank New Zealand Limited
  • ASB Bank Limited
  • Avanti Finance Limited
  • Basecorp Finance Limited
  • Bluestone Mortgages NZ Limited
  • Bank of New Zealand
  • China Construction Bank (New Zealand) Limited
  • DBR Limited
  • First Mortgage Managers Limited
  • General Finance Limited
  • Heartland Bank Limited
  • Industrial and Commercial Bank of China (New Zealand) Limited
  • Credit Union Baywide
  • Pepper New Zealand Limited
  • Resimac Financial Securities Limited
  • Southland Building Society
  • AIA Services New Zealand Limited
  • Westpac New Zealand Limited
  • TSB Bank Limited
  • The Co-operative Bank Limited
  • Cressida Capital One Limited
  • ASAP Finance Limited
  • Liberty Financial Limited
  • Funding Partners Limited
  • Southern Cross Finance Limited
  • Metro Finance Ltd
  • Midlands Fund Management Limited
  • FICO Finance Ltd
  • Pioneer Finance
  • Oxford Finance Limited
  • Wroxton Finance Limited
  • Bank of China (New Zealand) Ltd
  • Gold Band Finance Limited
  • Plus Finance Limited

We do not provide financial advice service related to:

  • a) Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
  • b) Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description).
  • c) General Insurance products; and
  • d) Personal Risk Insurance products.

You will need to consult appropriate specialists if you would like advice on “a, b, c or d” above.

Fees, expenses, or other amounts payable

In majority of cases we do not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. Our remuneration is paid by the product providers by way of commission.

However, we may charge a fee for the financial advice service provided to a client where a client repays a residential home loan within a defined time (being 24 or 27 months) from the date it is drawn down.

Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client.

Conflicts of interest and commissions or other incentives

We and Astute will receive commission from the lenders who provide residential and personal loan products. If you decide to take out a residential or personal loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders.

Our advisers get remunerated by taking drawings from the company.

From time to time, various product providers (described previously) may also reward us and/or Astute for the overall business provided to them. They may give tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made based on the client’s personal goals and circumstances. All our financial advisers undergo annual professional development refresher training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives received.

Complaints handling and dispute resolution

We take all complaints seriously and work to resolve them as quickly as possible.
If you are unhappy with our financial advice service, and wish to make a complaint, please contact your financial adviser so he or she can try to put things right.

If you do not feel comfortable discussing your concerns with your adviser, you can:

  • Call David Windler on 021 796034 between the hours of 8:30 am – 5 pm weekdays
  • Email David Windler at
  • Write to David Windler at PO Box 45053, Te Atatu, Auckland 0651.

How your Complaint will be handled

We will deal with your complaint using our internal complaints handling process. Accordingly,

  • We will investigate your complaint by analysing the information you provided us; and
  • We may contact you to get additional information about your complaint.

We aim to resolve your complaint within 40 days of its receipt and advise you, in writing, our proposed resolution to your complaint.

If we cannot resolve your complaint within 40 days of receipt (or any additional time you have given us thereafter, at our request) you can contact the Financial Services Complaints Ltd (FSCL).

FSCL provides an independent external dispute resolution service to consumers with complaints about their financial service providers. This service will cost you nothing and will help us to investigate or resolve your complaint if it is not resolved to your satisfaction using our internal complaints process.

You can contact the FSCL Scheme at:

  • Email:
  • Website:
  • Telephone: 0800 347 257 or +64 4 4723725
  • Address: Level 4, 101 Lambton Quay, Wellington 6011
    P O Box 5967, Wellington 6140


We, Astute and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to:

  • meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and
  • give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and
  • exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and
  • meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice.