Licensing information

The Advice Hub Limited (FSP686792) holds a transactional license issued by the Financial Markets Authority to provide financial advice.

Contact Details

You can contact us at:
Phone: 0800 806 806
Email: admin@tah.co.nz
Address: 139 Great South Road, Greenlane, Auckland, 1051

Types of Advice

The Advice Hub provides advice to our clients about their investments, mortgages, life insurance and health insurance.

The Advice Hub provides advice to our clients about their investments, mortgages, life insurance and health insurance.

Any financial advisers we engage to provide you with financial advice are qualified to provide personalised advice on:

  • Personal Insurance
  • KiwiSaver
  • Investment products
  • Mortgages
  • Personal Lending

We only provide financial advice about products from certain providers.
Our KiwiSaver and Wealth product providers are:

  • SuperLife
  • SuperLife Invest
  • Kiwiwrap
  • ANZ Platform
  • Consilium Platform
  • Generate
  • NZ Funds

Our Mortgage and personal loan providers are:

  • ANZ
  • ASB
  • BNZ
  • Westpac
  • TSB
  • Co-operative Bank
  • AIA
  • Heartland Bank
  • Bluestone
  • Resimac
  • Avanti Finance
  • Pepper Money
  • SBS Bank
  • Liberty Finance
  • Southern Cros Partners
  • Cressida Capital
  • Gold Bank Finance
  • General Finance
  • Bank of China
    China Construction Bank
  • ICBC
  • DBR
  • First Mortgage Trust
  • ASAP Finance

Our Insurance providers are:

  • AIA
  • Partners Life
  • Cigna
  • NIB
  • Fidelity
  • Accuro


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

In most scenarios, our providers pay us commissions to provide you with advice in relation to acquiring new and/or maintaining existing financial products. With some Non-bank lenders, we also charge a fee in addition to or in lieu of receiving commission. We will discuss and agree any actual fees with you before we proceed and will explain how they are payable.

What commission we do receive for Mortgages and Insurance is often subject to a clawback period of up to 28 months from the date your lending is drawn down or your insurance policy is issued. If you completely repay your lending or cancel your insurance policy within that period, we may have to repay some or all of the commission we make.

If such a situation arises AND we receive a "clawback" on the commission we make, we reserve the right to charge you a fee to cover the time spent on your lending or insurance application. This fee shall be based on a rate of $200 per hour, up to a maximum of $2,000 OR the amount of the clawback from the provider. We will invoice you for this fee and it will be payable on the 20th of the month following the cancellation of your policies. Details of how to make payment will be included on the invoice.

That said, we will only charge you where it is fair and reasonable to do so. For example, if you have sold your property and repaid your loan as a result of financial hardship, we shall not charge.

Further to the above, some lenders may charge you an application fee for your application. We will advise you if this will be the case.

Third Party Expenses

In some scenarios, you may be required by the lender or insurer to engage third parties to act in relation to your application. These parties can include Doctors, medical specialists, valuation providers, builders, accountants, lawyers and more. We can advise estimates as to what these costs usually are as relevant to your application but these will vary depending on who you engage and the scope of work required.


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

Life Insurance

For life insurance and health insurance, The Advice Hub Ltd receives commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to The Advice Hub. The amount of interest is based on the amount of the policy's annual premium. This can be both initial commission and ongoing commission (an ongoing payment which is paid for to the adviser for providing advice/servicing the policy in the long-term).


For mortgages, The Advice Hub Ltd receives commissions from the lenders with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to The Advice Hub Ltd. The amount of the commission is based on the amount of the mortgage and can include initial commission (a lump sum paid upfront) and ongoing commission (an ongoing payment which is paid for to the adviser for providing advice/servicing the loan(s) in the long- term).

Some lenders, in lieu of paying ongoing commission, will pay a one-off fee each time your adviser actions any maintenance on your loan for you - such as helping you refix your loan at the end of your fixed term.


For some KiwiSaver’s, The Advice Hub Ltd receives commissions from the providers with whom we arrange those products. If you decide to move your KiwiSaver from one provider to one of ours upon our advice, the provider will pay The Advice Hub Ltd a commission. The amount of the commission will be based on the amount of funds being transferred to a maximum of $300. The Advice Hub Ltd may also receive an ongoing commission payment based on the value of your funds invested.

Conflicts of Interest

To ensure that our financial advisers prioritise our clients' interests over their own rather than based on commissions paid, we follow a six-step advice process that ensures recommendations are made on the basis of each clients' goals and circumstances.

Our advice files are subject to external compliance audits to ensure that recommendations are being made with our client's interests at their core. These audits are completed by a reputable compliance adviser and our compliance programme is reviewed annually.

Our Advisers undergo annual training about how to manage conflicts of interest. As a company, we maintain a register of any conflicts of interest including gifts and incentives (such as sporting event tickets, meals out or merchandise we may from time to time receive from providers).

Duties Information

Simplified Mortgages (and anyone who gives financial advice on our behalf) are bound by the duties of the Financial Markets Conduct Act 2013 (431I, 431K, 431L and 431M) to:

  • Meet the standards of competence, knowledge and skill set out in the Code of Professional Conduct for Financial Advice Services - designed to make sure we have the expertise needed to provide you with advice.
  • Give priority to clients' interests - by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests.
  • Exercise care, diligence and skill in providing you financial advice.
  • Meet the standards of ethical behaviour, conduct and client care set out in the Code of Professional Conduct for Financial Advice Services - designed to make sure we treat you as we should and give you suitable advice.


Our Internal Complaints Process

Firstly, please go directly to your financial adviser or team member. Tell them the issue and see if they can sort it to a result you are happy with quickly and directly. They are trained and required to document the issue and report it to our internal complaints team.

Secondly, if you are not completely satisfied with the result or remedy from your financial adviser and feel like you would like to escalate this issue to our internal complaints team please contact us via email support@tah.co.nz

We will contact you by phone or email to acknowledge and try to completely understand the issues so we can best resolve them quickly.

We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.

We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.

We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

Our external Complaints Process

Last resort, if we cannot agree on how to fix the issue within a timeframe acceptable to you, or if you decide not to use our internal complaints team, you can contact the Financial Services Complaints Limited (FSCL). This service will cost you nothing, and they will help us resolve any disagreements.  

You can contact FSCL at:
Postal Address: PO BOX 5967, Lambton Quay, Wellington 6145
Telephone number: 0800 347 257
Email address: info@fscl.org.nz