What We Finance
Insurance
Calculators
What We Finance
Insurance
Calculators
Financial Advice Provider
Rostron Finance Limited FSP 100 1984 is the Financial Advice Provider.
Our contact details are:
Level 3, Forsyth Barr House, 35 The Octagon, Dunedin 9016 T: 0800 700 399 E: finance@rostron.co.nz
We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us.
Licence status and conditions
We hold a Financial Advice Provider licence issued by the Financial Markets Authority (FMA) to provide financial advice in relation to consumer credit contracts (Personal Lending).
We also provide finance broking and credit‑arranging services for both consumer and non‑consumer credit. These services are not regulated financial advice under the Financial Markets Conduct Act 2013.
We are authorised by certain insurers to provide factual information only about their general insurance products. We do not provide financial advice on insurance.
Nature and scope of financial advice service
Financial advice (regulated)
Our Nominated Representatives provide financial advice in relation to consumer credit products only. This includes personal loans, vehicle finance, and equipment finance where the credit is provided to an individual for personal, domestic, or household purposes.
Finance broking and credit‑arranging (unregulated)
We also provide broking and credit‑arranging services for both consumer and non‑consumer credit. This includes business loans, commercial asset finance, working capital facilities, and equipment finance for business purposes. These services are not financial advice under the Financial Markets Conduct Act 2013.
Credit Providers we work with
We may arrange consumer or non‑consumer credit with a range of credit providers, including (but not limited to):
Note: Some providers offer both consumer and commercial credit. Where the credit is a consumer credit product, we may provide financial advice. Where the credit is not a consumer credit product, we provide broking/arranging services only.
General insurance products
We may provide factual information only about general insurance products that relate to the asset being financed (such as motor vehicle, mechanical breakdown, GAP, or other asset‑related insurance). Our Nominated Representatives do not provide financial advice on insurance.
We are authorised by the following insurers to provide factual information about their products::
If you choose to take out an insurance product, the insurer will assess your application and determine whether to issue the policy. We do not provide recommendations or advice about whether a particular insurance product is suitable for you.
Rostron provides a financial advice service related to:
We provide financial advice only in relation to consumer credit products, such as personal loans, vehicle finance, and equipment finance where the credit is provided to an individual for personal, domestic, or household purposes (including where this is the predominant purpose of the credit).
Rostron does not provide financial advice service related to:
We do not provide financial advice on:
We do assist with non‑consumer credit (such as business loans, commercial asset finance, and working capital facilities), but this is provided as broking and credit‑arranging services only and is not financial advice.
If you require financial advice in any of the areas listed above, you will need to consult an appropriate specialist.
Duties
Rostron and our Nominated Representatives must comply with the duties set out in the Financial Markets Conduct Act 2013 when providing financial advice on consumer credit products. These duties require us to:
These duties apply only to our financial advice service. Our broking and credit‑arranging services for non‑consumer credit are not financial advice and are not subject to the financial advice duties.
Fees, expenses, or other amounts payable
Rostron may charge an origination fee for arranging a consumer credit product or for implementing the financial advice we provide. We may also charge a fee if:
We may receive commissions from lenders and insurers when a loan or insurance product is issued. These commissions are paid by the product provider and do not affect the amount you pay for the product.
For non‑consumer credit (such as business loans, commercial asset finance, or working capital facilities), we may charge a broking or arrangement fee, and we may also receive commissions or referral fees from the lender. These services are provided as broking and credit‑arranging services only and are not financial advice.
Conflicts of interest and commissions or other incentives
Vehicle and equipment finance and personal loan products (consumer and non‑consumer)
Rostron may receive commissions from lenders when a loan is settled. The amount of commission varies between lenders and is generally based on the amount of the loan. For non‑consumer credit (such as business loans or commercial asset finance), we may also receive broking commissions or referral fees from the lender. These services are provided as broking and credit‑arranging services only and are not financial advice.
General insurance products
If you choose to take out an insurance product, Rostron and our Nominated Representatives may receive a commission from the insurer based on the premium you pay. Our representatives may also receive a share of this commission or other incentives.
Additional remuneration
From time to time, product providers may offer non‑monetary benefits such as training, events, or promotional items. These benefits are not linked to any specific recommendation or product.
How we manage conflicts of interest
To ensure our Nominated Representatives prioritise your interests:
Complaints handling and dispute resolution
If you are unhappy with any part of our service, please tell us. We will acknowledge your complaint, record it in our complaints register, and work with you to resolve it as quickly as possible.
If we cannot resolve your complaint to your satisfaction, or you are not satisfied with the way we have handled it, you can refer your complaint to our independent dispute resolution scheme, Financial Services Complaints Limited (FSCL). This service is free of charge to you.
Financial Services Complaints Limited (FSCL) Phone: 0800 347 257 Email: complaints@fscl.org.nz Website: www.fscl.org.nz Address: PO Box 5967, Wellington 6140
You can make a complaint to FSCL at any time, but they will normally give us the opportunity to resolve the matter with you first.
Effective date of the 21st April 2026
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