Disclosure Document



Tribe Financial Ltd is required by law to provide a disclosure statement in connection with our Financial Services

This document is that disclosure information.



Tribe Financial Limited is licensed under the Financial Markets Conduct Act 2013 by the Financial Markets Authority. 

Tribe Financial Limited (FSP752072) trading as Tribe Financial holds a license issued by the Financial Markets Authority (the government agency that monitors financial advisers).


What this means for you

Our Advisers provide financial advice about Home Lending products. They only provide financial advice about products from certain product providers that are included in the approved panel of product providers.

For more information about the specific products that each  Financial Advisers can provide financial advice on, and the relevant product providers, see the Disclosure Statement for for each Financial Adviser.


You can find the Adviser Business’ Disclosure Statement by searching for a Financial Adviser here. 


A Financial Adviser will provide their Disclosure Guide to you when you engage them or you can request a copy from their Adviser Business at any time to see the list of product providers.



For mortgage advice, Tribe Financial Limited will receive commissions from the bank/lender.

If you decide to take out a loan, the bank/lender will pay a commission to Tribe Financial Limited as indicated below:
• The commissions for the bank lenders range between 0.55 - 0.85% of the value of the mortgage. The amount depends on which bank lender and what type of mortgage you choose.
The commissions for the non-bank lenders range between 0.60 - 1.00% of the value of the mortgage. The amount depends on which non-bank lender and what type of mortgage you choose.
• We may also receive an ongoing commission of between 0.15 - 0.20% of the remaining balance of your loan each year.

The amount depends on which bank/lender and what type of mortgage you choose.

A portion of the above commission is retained by Tribe Financial Limited.


In some instances We may charge a fee for the financial advice provided to you. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to you. This fee is paid via the lender and payable when the loan is advanced.

Conflicts of Interest

If there are any conflicts of interest, apart from commission, that could potentially influence the financial advice given to you, these will be shown in your Financial Adviser’s Disclosure Guide.


Complaints and Dispute Resolution


If you have a complaint about the service you’ve received from  your Financial Adviser you need to tell them about it.  Information about your Adviser's internal complaints service and their dispute resolution scheme can be found in their Disclosure Statement. 

If you have a complaint that relates to Tribe Financial Ltd, or if you are unhappy with how a complaint against your Financial Adviser has been dealt with, you can contact Tribe Financial Limited's internal complaints service by emailing us at: admin@tribefinancial.co.nz with the heading "Complaint - (Your Name)."

Please set out the nature of your complaint, and the resolution you are seeking.  We aim to acknowledge receipt of this within 24 hours.  We will then record your complaint in our Complaints Register and investigate your complaint. We may want to meet with you to better understand your issues.

We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we’ll let you know.

If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service.  This service is independent and will cost you nothing and will assist us to resolve things with you. 

Details of this service are:

Financial Services Complaints Limited

Phone: 0800 347 257

Email: complaints@fscl.org.nz

Contact us

Tribe Financial Ltd

NZBN: 9429048370134


(09) 478 9332

44/L Constellation Drive


Auckland 0632


This statement was last updated in March 2021