Disclosure

Important Information About Our Business

Last updated: November 2025

Momentum Partners Limited

Momentum Partners Limited is a Licensed Financial Advice Provider issued by the Financial Markets Authority (FMA) to provide financial advice services.
Financial Services Provider Number: FSP757091.

Contact details

Phone: 021 089 40336
Email: mo@momentumpartners.co.nz
Website: www.momentumpartners.co.nz

Our Financial Advisers

• Mo Olckers - Financial Adviser (FSPR: 712345)
  Mo is authorised to provide financial advice on KiwiSaver investments and debt management, including lending for personal, business, and investment purposes.
• Olga Zaruchevskaya - Mortgage Adviser (FSPR: 1010601)
  Olga is authorised to provide financial advice on debt management, including lending for personal, business, and investment purposes.

Each adviser provides advice only within their areas of authorisation and competence. If your needs extend beyond these areas, we can refer you to another qualified professional.

Nature and Scope of Financial Advice Services

Our services and products we can provide financial advice about:

• Kiwisaver Investments
• Debt management including:
  • Mortgage lending (owner occupied and investment)
  • Business lending
  • Refixing existing lending
  • Restructures
  • Refinances
  • Commercial property financing
  • Lending for builds
  • Top ups for cars, boats, landscaping etc.

Our services do not include:

• Fund management
• General insurance
• Life insurance, income protection etc.
• Legal advice
• Accounting advice

If you need support in these areas, we can connect you with trusted professionals who specialise in them.

You are under no obligation to use their services, and we’ll only share your details with your consent.

At times, we may receive a small referral payment for introducing you to another service provider.

Product Providers We Might Recommend

KiwiSaver Providers:

• Milford
• Generate

Lending Providers

• BNZ
• ANZ
• ASB
• Westpac
• Kiwibank
• AIA/Sovereign
• Liberty
• Pepper Money
• Resimac
• Co-operative Bank
• Basecorp
• China Construction Bank

Our fees

The actual fee charged to you will depend on the nature and scope of the advice or service we provide.

We will discuss and agree on the actual fees with you before we proceed and explain how they are payable.

In most cases for lending, we will not charge fees for our services as most financiers we work with will pay a commission.

Types of Fees That May Apply

Fees charged for our advice and services may be based on a combination of:

• A set dollar amount, or
• a percentage-based fee.

Our agreed advice and service fees may include charges for:

• Initial advice, and/or
• Ongoing or annual advice and services.

In some cases, we may charge a fee for our services. This typically applies in the below scenarios:

• Commission is not payable from the financier, normally on the below products:
  • Business lending
  • Commercial property lending / property finance
  • Some non-bank lending
• When your lending is repaid within a timeframe which would trigger recovery of the commission received by the Adviser.
  Financiers will claw back upfront commissions to the Adviser when repaid within 28 months (or so) from the drawdown of funds.
• When funding is arranged and there is no intention of proceeding with the drawdown of funds.

When funding is arranged and there is no intention of proceeding with the drawdown of funds.

Commissions

For services in relation to investments and loan products, commissions may be paid by the product provider as follows:

• Initial commission – A percentage of the value of your investment contributions of loan balance.
• Ongoing Commission – A percentage of the value of your investment balance or outstanding loan amounts, usually calculated at the end of each month in which you hold the investment or loan.

We will disclose the amount or range of any commission expected when making a recommendation.

Conflicts of Interest

We are here for you and will do the best we can for you. Your interests are our priority, although we do have business relationships with product providers also.

How we manage any conflicts of interest:

To ensure our advisers prioritise our clients’ interests:

• We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
• All our advisers undergo annual training about how to manage conflicts of interest.
• We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
• We undertake an annual independent Compliance Assurance Review.

Our Duties and Obligations to You

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

• Meet the standards of competence, knowledge and skill set out in the Code of Conduct.
• Give priority to our clients’ interests.
• Exercise care, diligence, and skill.
• Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

Privacy and Data Handling

We respect your privacy and handle all personal information in accordance with the Privacy Act 2020.

Your information will only be shared with third parties when necessary to provide our services or with your consent.

You can request a copy of, or correction to, your personal information at any time.

Our Internal Complaints Process

If you are not satisfied with any part of our service, please email mo@momentumpartners.co.nz or call 021 089 40336 so that we can try to remedy the problem

Once received, we will:

• Acknowledge the complaint within 24 hours.
• Provide a way forward (which may require further information).
• Aim to have a resolution within 7 days. If this is not achievable, we will let you know.

Our External Complaints Process

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external dispute resolution scheme — Financial Services Complaints Limited (FSCL).

This service is free of charge to you.

You can contact FSCL at:

Post: PO Box 5967, Wellington 6140

Phone: 0800 347 257

Email address: complaints@fscl.org.nz

Website: www.fscl.org.nz