Disclosure Statement

1. Who We Are

Nexa Mortgages & Finance ("Nexa", "we", "us") is a financial advice provider operating in New Zealand. We provide financial advice relating to mortgages, home loans, and personal finance products offered by lenders and financial institutions.

2. Licensing and Registration

Nexa Mortgages & Finance is registered on the Financial Service Providers Register (FSPR) and holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. Our advisers are authorised to provide regulated financial advice under the Financial Markets Conduct Act 2013.

You can verify our registration at www.fsp.govt.nz.

3. Nature and Scope of Our Financial Advice

Nexa provides financial advice in the following areas:

• Residential mortgage lending (home loans, investment loans)
• First home buyer lending and KiwiSaver First Home Withdrawal
• Refinancing and refixing existing loans
• Construction and new build finance
• Commercial and business lending
• Personal lending and asset finance

We work with a panel of New Zealand lenders and banks. We do not provide investment advice, insurance advice, or KiwiSaver investment advice.

4. How We Are Paid — Conflicts of Interest

Nexa Mortgages & Finance is remunerated by commissions paid by lenders when a loan application is successfully funded. This means our services are provided at no direct cost to you.

Commission rates vary between lenders. A conflict of interest may arise if we recommend a lender that pays a higher commission. To manage this, we follow a process designed to ensure our recommendations are based on your individual needs and circumstances, not on commission rates. We will disclose the specific commission payable upon request or at the time a recommendation is made.

5. Complaints Process

If you are not satisfied with our service or financial advice, please contact us in the first instance:

If we cannot resolve your complaint within a reasonable timeframe, you may escalate it to our approved dispute resolution scheme:

FSCL is a free and independent dispute resolution service available to consumers.

6. Our Duties

Nexa Mortgages & Finance and our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the financial advice we give you. We are required to:

• Meet the standards of competence, knowledge, and skill in the Code of Professional Conduct for Financial Advice Services
• Give priority to your interests
• Exercise care, diligence, and skill
• Meet standards of ethical behaviour, conduct, and client care

7. Privacy

We collect your personal information in order to provide you with financial advice and to process loan applications on your behalf. Your information is handled in accordance with the Privacy Act 2020 (New Zealand). We do not sell your personal information to third parties. You have the right to access and correct personal information we hold about you.

Last updated: May 2026