Sarah Bloxham (FSP457987) is a Financial Adviser who runs a Licensed Financial Adviser business called Let’s Talk Mortgages Limited, trading as Let’s Talk Mortgages & Insurance. Sarah advises on Mortgages & Personal Insurance.

Let’s Talk Mortgages Limited (FSP729791), trading as Let’s Talk Mortgages & Insurance, holds a Full Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice.

Nature and scope of advice

Let’s Talk Mortgages & Insurance provides advice to our clients about their Mortgages & Personal Insurance. Our Financial Adviser, Sarah Bloxham provides financial advice in relation to Mortgages &  Personal Insurance.

We only provide financial advice about products from certain providers:

  • For Mortgages, we work with ANZ, ASB, Kiwibank, Westpac and BNZ along with a selection of smaller lenders and Non-Bank Providers.
  • For Personal Insurance, we work with Partners Life, Chubb and Asteron.

Let’s Talk Mortgages & Insurance does not charge fees or expenses for the financial advice provided to its clients.

For Mortgages, Let’s Talk Mortgages & Insurance receives commissions from the banks with whom we arrange Mortgages. The amount of the commission is based on the amount of the loan.

For Personal Insurance, Let’s Talk Mortgages & Insurance receives commission from the Insurance Companies on whose policies we give advice. The amount of the commission is based on the amount of the premium.

To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. Our Financial Advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit & review programme periodically.

If you are not satisfied with our Financial Advice service, you can make a complaint by:

Emailing: hello@letstalkmortgages.co.nz
Phone: 0800 110 766.
Address: P O Box 25-614, St Heliers, Auckland 1740.

When we receive a complaint, we will follow our internal complaints process:

  • We will look at 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 aim to resolve complaints within 10 working days of receiving them.
  • We will contact you by email to let you know whether we can resolve your complaint and how we propose to do so.

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact our Financial Dispute Resolution provider. They provide a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven’t been able to resolve your complaint to your satisfaction.

You can contact our provider who are the Financial Dispute Resolution Scheme:

Email: enquiries@fdr.org.nz
Phone: 0508 337 337
Address: Level 4, 142 Lambton Quay Drive Wellington 6011

Let’s Talk Mortgages & Insurance and our Financial Adviser, Sarah Bloxham, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

  • Give priority to your 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 with advice
  • Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
  • Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice)

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz

Let’s Talk Mortgages Ltd (FSP729791) trading as Let’s Talk Mortgage & Insurance, is the Financial Advice Provider.

You can contact us at:
Phone: 0800 110 766
Email: hello@letstalkmortgages.co.nz
Physical Address: Level 1, 8 Maheke St. St Heliers. Auckland 1071
Postal Address: P O Box 25-614, St Heliers, Auckland 1740