Important information about OneLife Financial to help you make an informed choice when deciding whether to engage us for financial advice.
Onelife Financial Services Limited trading as OneLife Financial
This disclosure provides important information about OneLife Financial to help you make an informed choice when deciding whether to engage us for financial advice.
Onelife Financial Services Limited (FSPR number 770516) holds a Financial Advice Provider licence issued by the Financial Markets Authority to provide financial advice services.
OneLife Financial provides financial advice in relation to lending and personal insurance. Depending on the agreed nature and scope of the engagement, our advice may cover:
We do not provide legal, tax, accounting, property investment or estate-planning advice. You should obtain advice from an appropriately qualified solicitor, accountant, tax adviser or other professional where required.
OneLife Financial does not provide advice across every lender or insurer in the market. We provide advice only in relation to products from particular providers with which we have an agency, accreditation or distribution arrangement. Our current provider panel is listed below.
The provider panel can change. We will explain the providers and products relevant to the agreed scope of your advice. An adviser’s personalised Disclosure Guide may identify a narrower panel if the adviser is not accredited with every provider listed above.
We may introduce you to third-party providers for services outside the financial advice we provide. Depending on your needs, these may include Tower, Initio, Koura Wealth, XE Money, Heartland Bank, Avanti Finance, MovingHub and providers of asset finance or UK pension-transfer services.
Unless we expressly agree otherwise in writing, we do not provide financial advice on a referred provider’s products and have not assessed whether its service is suitable for your particular needs. You are free to use another provider or conduct your own research.
OneLife Financial and its financial advisers usually do not charge a fee for advice or arranging a transaction because we generally receive commission from the applicable product provider. The exceptions are described below. We will explain and agree any fee with you before it is incurred.
If you ask us to provide services in relation to a product or service for which OneLife Financial or the financial adviser will not receive commission, we may charge a one-off fee. Any fee will be agreed and authorised by you in writing before the service is completed and will be based on an estimate of the time required.
This may arise where you request services relating to a product offered by a provider with which we do not hold an accreditation, or a product outside our usual provider arrangements.
A product provider may require commission to be repaid if you make certain changes shortly after a loan settles or an insurance policy is issued. If this occurs, we may charge you a one-off fee in the following circumstances:
Any such fee will be no more than $3,000 plus GST, if any, and will be calculated at $250 plus GST, if any, per hour of adviser time spent providing advice in connection with the applicable product. The fee will not exceed the amount of commission required to be repaid to the product provider.
If you use our advice services to obtain an approval and then instruct us not to proceed with the application for the product discussed, we may charge a one-off fee for our time. The fee will be calculated at $250 per hour, up to a maximum of $1,500, for time spent providing financial advice in connection with the applicable product.
You will be invoiced for any one-off fee and will have 30 days to make payment. Your financial adviser will disclose any other applicable fees in their personalised Disclosure Guide and during the advice process.
If you proceed with a product based on financial advice received from us, OneLife Financial or the financial adviser will usually receive a commission or incentive payment from the applicable product provider.
The types of payments that may be received include:
Your financial adviser will give you further information about the commissions and incentives relevant to the advice, including the applicable provider and maximum calculation rates.
We take steps to manage conflicts of interest and ensure that commissions do not improperly influence our advice. We do this by:
We are bound by duties under the Financial Markets Conduct Act 2013. When giving regulated financial advice, we are required to:
This is a summary of our duties. More information is available from us or from the Financial Markets Authority at www.fma.govt.nz.
If you have a complaint about our financial advice or service, please tell us so we can try to resolve it. Contact our internal complaints service using either of the following:
Please describe the nature of your complaint and the resolution you are seeking. We aim to acknowledge your complaint within 24 hours, record it in our Complaints Register and work with you to resolve it. We may ask to meet with you to better understand the issues. We aim to provide an answer within seven working days. If more time is required, we will keep you informed.
If we cannot agree on a resolution, you can refer your complaint to our independent external dispute resolution service. This service is free to you:
Public Disclosure Statement — July 2026.