Disclosure Statement
Licence Status
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NZ Non-Bank Mortgages is a trading name of Fluent Financial, operated by Shou Limited. Shou Limited holds a Class 2 Financial Advice Provider licence (FSP1002589) issued by the Financial Markets Authority.
Nature and Scope of Our Advice
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We provide financial advice on the following products:
Residential lending (mortgages and personal loans), KiwiSaver, and personal insurance (life, health, income protection, and disability cover).
We advise on products from particular providers only. These include bank and non-bank mortgage lenders, KiwiSaver providers, and insurance companies. A full list of providers is available on request or will be provided to you when the nature of your advice needs becomes known.
We do not provide legal or tax advice. We recommend you consult a solicitor or accountant for advice of that nature.
Fees
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Our advice is provided at no upfront cost to you. In most cases, the lender pays us a commission when your loan settles, so there is nothing for you to pay out of pocket.
For some non-bank lending arrangements where the lender does not pay a commission, a fee applies on settlement — capped at 1% of the loan amount or less. We'll always confirm the exact fee in writing before you commit to anything, so there are no surprises.
A fee may also apply if you repay a residential home loan within 27 months of drawdown. Details will be provided before advice is given.
Conflicts of Interest and Commissions
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We receive commissions from lenders when a mortgage settles and, in some cases, ongoing trail commissions at each anniversary. We also receive commissions from insurance companies based on premiums, and from KiwiSaver providers based on funds under management.
These commissions create a potential conflict of interest. We manage this by following a structured advice process that prioritises your circumstances and goals, researching suitable products across our provider panel to ensure our recommendations meet your needs. Shou Limited is subject to annual audit and compliance review.
Full details of commissions applicable to your specific situation will be disclosed to you before advice is provided.
If you are unhappy with our service, please contact our internal complaints manager:
Addison Dale Email: addison@nznonbankmortgages.co.nz Phone: 021 540 274
We will acknowledge your complaint within 2 business days and aim to resolve it within 7 working days.
If we are unable to resolve your complaint, or you would prefer not to use our internal process, you can contact our external dispute resolution scheme. This is a free and independent service.
Financial Services Complaints Limited (FSCL) Phone: 0800 347 257 Email: complaints@fscl.org.nz
We receive commissions from lenders when a mortgage settles and, in some cases, ongoing trail commissions at each anniversary. We also receive commissions from insurance companies based on premiums, and from KiwiSaver providers based on funds under management.
These commissions create a potential conflict of interest. We manage this by following a structured advice process that prioritises your circumstances and goals, researching suitable products across our provider panel to ensure our recommendations meet your needs. Shou Limited is subject to annual audit and compliance review.
Full details of commissions applicable to your specific situation will be disclosed to you before advice is provided.
How to Make a Complaint
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Conflicts of Interest and Commissions
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Privacy policy
Your Privacy Matters
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NZ Non-Bank Mortgages is a trading name of Fluent Financial, operated by Shou Limited. We are committed to protecting your personal information in accordance with the Privacy Act 2020 and all applicable New Zealand law.
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What We Collect
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When you engage us, we may collect personal information including your name, date of birth, address, contact details, occupation, financial situation, and goals. This allows us to recommend suitable mortgage, insurance, and KiwiSaver products.
We may also collect credit information and health information on behalf of the lenders, insurers, and other product providers you choose to apply with. Those providers have their own privacy policies which apply to information we collect on their behalf.
How We Collect It
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We generally collect your information directly from you. We may also collect information from credit reporting agencies, banks (with your authorisation), employers, and product providers — for example, to service your loan or insurance over time.
This Privacy Policy was last updated in March 2026.
Why We Collect It
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We use your personal information to respond to your enquiries, provide financial advice and services to you, recommend suitable products, send you relevant communications about products and services, and for any other purpose you authorise or that is permitted under the Privacy Act 2020.
If you do not wish to receive marketing communications, you can opt out at any time by letting us know.
We may share your personal information with product providers and lenders in connection with your application, our compliance and aggregation network (Kiwi Adviser Network), referral partners who can help you with other services, credit reporting and identity verification agencies, auditors for compliance purposes, and any person or entity required or authorised by law.
Before sharing your information with any third party, we take reasonable steps to ensure they are committed to protecting your information to the same standard we are.
We may use cloud-based storage and services that are hosted outside New Zealand. We may also share information with Kiwi Adviser Network and its related bodies corporate, and third-party service providers located overseas.
You are not required to provide personal information to us, but choosing not to may affect our ability to provide services to you. You have the right to access and request correction of any personal information we hold about you at any time by contacting us.
If you have any questions about this Privacy Policy or your personal information, please contact:
Addison Dale Email: addison@nznonbankmortgages.co.nz Phone: 021 540 274