Financial Advice Provider Disclosure Statement

TrustOne Financial Services Limited Trading as TrustOne Financial, FSP Number FSP1008318, holds a Full Class 2 Financial Advice Provider license issued by the Financial Markets Authority (FMA) to provide financial advice services. Below is essential information to help you understand the type of advice we provide, enabling you to make informed choices when engaging in with us.

Financial Adviser Provider - TrustOne Financial Services Limited Trading As “TrustOne Financial”

Address of Financial Advice Provider – 2/382 Hillsborough Road, Hillsborough, Auckland 1042

Financial Adviser – Ravi Kachalia / (022) 489 0239

Company FSPR Number - FSP1008318

We support our clients in meeting their lending and mortgage needs. Our services cover a

variety of financial products, including:

     • Home loans, including loans for first home buyers, investment property loans, construction loans, top up loans, debt consolidation, business loans, commercial loans, refinancing, mortgage refix and restructuring, and personal loans.

We work with the following lenders to offer mortgage products: 

     • ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, Co-operative Bank, AIA Go Home Loans, Liberty

Finance, Avanti Finance, Prospa, Unity. The lender list may be updated periodically.  

Our services do not include advice on investments, legal matters, or tax issues.

We generally provide our financial advice and services at no direct cost to you. Instead of

charging fees, we are compensated through commissions and payments from lenders with

whom we secure your financing. However, a fee may apply in specific situations:

• If you partially or fully repay or refinance the loan within 28 months of drawdown, or

• If you choose not to proceed with a loan that we have arranged for you.

At TrustOne Financial, we are dedicated to providing unbiased advice and acting in your best

interests. We address any conflicts of interest openly and follow a structured advice process to

ensure recommendations are tailored to your needs. 

• We will disclose any actual or potential conflicts of interest and how they may impact

our advice.

• We do not engage in business decisions that involve close family members or affiliated

entities.

• Any conflicts of interest are shared with you upfront, along with our plan for managing

them, which we proceed with only upon your approval. 

• We log gifts or hospitality above $250 in a register and keep this on record for

compliance purposes. 

• We receive commissions from lenders we work with, and at times may receive

additional incentives, such as event tickets or training invitations, which we document

and review annually.

Our commitment to transparency is core to providing advice that prioritizes your goals and

builds trust.

If our services have not met your expectations, please feel free to submit a complaint by

emailing us at ravi@trustonefinancial.co.nz or by calling 022 489 0239. Upon receiving a complaint, we will review it carefully and address it through our internal

resolution process: 

1. Acknowledgment – We will confirm receipt of your complaint usually within 2 working

days of receiving your complaint.

2. Documentation – Your complaint will be logged in our Complaints Register.

3. Resolution – We will work with you to address your concerns and may request

a meeting to better understand your issue.

4. Response – Our goal is to respond within 10 working days. If more time is needed, we

will keep you updated on the progress.

If we cannot resolve your complaint to your satisfaction, you may refer the matter to Financial

Dispute Resolution Service (FDRS), an independent and free dispute resolution service. Their

contact information is below:

• Email: enquiries@fdrs.org.nz

• Phone: 0508 337 337  

• Website: https://fdrs.org.nz

• Mail: PO Box 2272, Wellington 6140, New Zealand 

We are committed to ensuring a fair and prompt resolution on to any issues you may have. 

In line with the Financial Markets Conduct Act, we are committed to:

•Upholding high standards of expertise, knowledge, and skills as outlined in the Code of

Conduct. 

• Putting your interests first in all aspects of our service.

• Providing advice with diligence and care. 

• Following ethical guidelines and client care standards set out in the Code of Conduct.

For more details, please contact us or visit the Financial Markets Authority at https://www.fma.govt.nz

Contact Details

For any inquires or further information, please contact us using the details below.

Phone: 022 489 0239

Company Name: TrustOne Financial Services Limited Trading As “TrustOne Financial”

Email: ravi@trustonefinancial.co.nz

Address: 2/382 Hillsborough Road, Hillsborough, Auckland 1042