Public Disclosure

Northmark Advisory Limited

This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014 to help you decide if you want to seek our advice.

Licensing information

Northmark Advisory Ltd trading as Northmark Mortgages is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.

FSP Number: FSP1011222

Mark Dunmore is a Financial Adviser and Director of Northmark Advisory Limited

FSP Number: FSP1011540

Phone Number: 029 222 0573

Email: mark@northmark.co.nz

Our Duties

Northmark Advisory Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013.

These duties are to:

  • Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.

  • Give priority to your interests.

  • Exercise care, diligence, and skill.

Our Products and Product Providers

We provide advice to our clients about home loan products.

Lenders we work with:

ANZ, ASB, ASAP Finance Limited, Avanti Finance, Basecorp Finance, BIZCAP, BNZ, CFML, Cressida Capital, DBR, Finbase, First Mortgage Trust, Funding Partners, General Finance, Liberty Financial Limited, Midlands Funds Management, NBS, Pallas Capital, Pepper Money, PROSPA, SBS Bank, Southern Cross, The Co-operative Bank, Unity, Welcome, Westpac, Xceda.

Fees and Expenses

Generally we won’t charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on settlement of a mortgage. There are some exceptions to this general position which are explained below.

We may charge you a one-off fee in the following situations:

(a) No commission: If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice.

This may arise in the rare event that you request that we provide services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers.

(b) Repayment of commission: If a product or service provider requires that we repay commission within 28 months of settlement of your mortgage or issuance of your risk insurance policy. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of the financial adviser’s time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender.

Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment.

Commissions and other incentives

The types of payments that may be received include:

  • Upfront commission (calculated as a percentage of the loan at drawdown.

  • Renewal or trail commission calculated as a percentage of the loan outstanding at the relevant time.

  • Fixed rate roll over fee (from some product providers if we assist in refixing your loan).

  • Referral fees for business referred to other businesses.

  • Other incentives or rewards, for example gifts or tickets to events.

Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate the commissions, will be provided by your Financial Adviser.

Conflicts of Interest

We may attend events hosted by industry associations, and product providers at which product providers discuss and provide information about their products. We manage this potential conflict of interest by ensuring we follow an advice process that ensures we prioritise your interests and recommend products that are suitable for you regardless of the information received at such events.

We take steps to ensure that the conflicts of interest, including receipt of commissions or other incentives, does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive.

We do this by:

  • Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals.

  • Ensuring our advisers receive regular training on how to manage conflicts of interest.

  • Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser’s personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process.

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

Complaints

If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by phoning us on or emailing us at with the heading Complaint - (Your Name).

Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. 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 free and independent and will assist you to resolve things with us.

Details of this service are:

Financial Services Complaints Limited (FSCL)

Phone: 0800 347 257

Email: complaints@fscl.org.nz

This disclosure statement was last updated in February 2026.