About Mutual Trust
Mutual means we win when you do
Since 2014 we've arranged finance across New Zealand for homes, commercial property, businesses, and construction and development projects. Lending is our focus, so we know it deeply: how each lender assesses, prices and structures a loan.
Our story
Built to rise together
Mutual means we only succeed when our clients do. Trust is the one asset we never stop building.
Our mark is two arches standing shoulder to shoulder. One is you, one is us. Each stands on its own strength, and the right arch reaches higher, because the goal is always the future you're building. The opening between them is a doorway: the space where trust lives and the next opportunity opens.
We specialise in three areas: residential, commercial, and construction and development finance. We don't arrange investments. Keeping to lending lets us go deep: we know how each lender thinks, and how to present your situation clearly.
Our standards
- Plain answers. No jargon without an explanation.
- The maths, shown. Every option in real dollars, including fees and break costs.
- Open about pay. You'll know how we're paid before you commit.
- Your interests first. It's the law for financial advisers, and our habit.
- Ambition welcome. We plan for where you're heading, not just where you are.
How we're paid
Paid by lenders. Always disclosed.
Lenders pay us a commission when a loan we arrange settles, and insurers pay commission on personal insurance. We may also charge a fee in some cases, depending on your situation, and we always agree it with you up front. Here's the full picture, so there are no surprises.
| What | When it applies | Amount |
|---|---|---|
| Initial commission | Paid by the lender or insurer when your loan settles or your policy starts | A percentage of your loan amount, or of your insurance premiums |
| Ongoing commission | Paid while you hold the loan or policy | A percentage of your outstanding loan or premiums, usually calculated monthly, or on renewal for insurance |
| Advice and service fees | Case by case, depending on the nature and scope of the advice. We discuss and agree any fee with you before we proceed | A set dollar amount, a percentage, or a combination, agreed up front |
| Other costs | Costs incurred while providing our advice and services | Agreed with you before they're incurred |
| Clawback fee | If you repay or refinance your loan within 27 months of settlement and the lender reclaims our commission | Equal to the commission the lender claws back, up to $3,000. Agreed in writing before we start, and shown in any refinance comparison |
Complaints
- Tell our complaints manager, Nannak Singh, at office@mutualtrust.co.nz or on 09 280 7555. Nannak will reply within 24 hours.
- We investigate and aim to resolve your complaint within 30 days, with our proposed resolution in writing.
- If we can't resolve it, contact our free, independent dispute resolution scheme: the Insurance & Financial Services Ombudsman Scheme (IFSO), 0800 888 202.
Licence and disclosure
Mutual Trust Financial Services Limited, trading as Mutual Trust Capital, holds a Financial Advice Provider licence issued by the FMA.
Financial Service Providers Register number: 387666.