Financial Advice Provider - License details

DebtFreeDiva Limited is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services.

Financial Services Provider Number - FSP1006988

Office Contact details:

49 Cairns Crescent, Rototuna, Hamilton 


Our Services

  • Residential Home loans

  • Investment property home loans

  • KiwiSaver Advice

  • Budgeting Advice 

  • Asset Finance

  • Personal loans 

Products we can advise on

  • Mortgage lending (for personal and business) 

  • Asset Finance (personal and business) 

  • Mortgage fixed rate reviews

  • KiwiSaver 

  • Personal loans

Product Providers we may recommend

  • AIA

  • ANZ

  • ASAP

  • ASB

  • Avanti Finance

  • Basecorp

  • BNZ

  • CFML

  • Co-operative Bank

  • Cressida

  • DBR

  • FMT

  • Heartland

  • Kiwibank

  • Liberty

  • NZCU

  • Peppermoney

  • Prospa

  • Resimac

  • SBS

  • Select

  • Southern Cross

  • TSB

  • UDC

  • Westpac

KiwiSaver providers:

  • Generate

  • Booster

  • Milford Asset Management

Fees and Expenses

Generally, DebtFreeDiva doesn't charge fees or expenses of any kind for the financial advice provided to our clients. This is possible because on settlement of a loan, or KiwiSaver funds under management, we usually receive commission from the lender or provider.

But, there are exceptions (explained below) and your adviser will let you know if any of these will apply to you.

The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable. The following section outlines the types of fees that may apply.

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

  • Initial commission - a percentage of the value of your lending amount or investment contributions, and

  • Ongoing commission - a percentage of the value of lending amount or your investment balance, usually calculated at the end of each month in which you hold the investment or on renewal of insurance/lending products

    Other costs
    Occasionaly we will charge for our other services such as budgeting advice but we will always advise you of these charges prior to the service being carried out

Conflicts of interest and Incentives

DebtFreeDiva Limited and our financial advisers receive commissions from the providers on whose products we give financial advice (banks, lenders and KiwiSaver providers).

If you decide to take out a mortgage, or to take our KiwiSaver advice, the provider will pay a commission to DebtFreeDiva Limited and to your financial adviser. The amount of commission is based on the amount of the mortgage, or the KiwiSaver balance. 

From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. 

To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances.

All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive.

DebtFreeDiva Limited monitors these registers and provides additional training where necessary. DebtFreeDiva Limited performs an annual review of our compliance programme.

Complaints process

If you have a complaint about the financial advice or service, we have given you please:

• Tell me about it.

• You can email us using the heading: “Complaint + Your Name” to

• Please set out the nature of your complaint, and the resolution you are seeking.

• We will acknowledge receipt of this within 2 working days.

• Your complaint will be recorded in our Complaints Register.

• We’ll then work with you to resolve things.

• We may want to meet with you to better understand your issues.

• We’ll aim to provide an answer to you within 10 working days of receiving your complaint.

If we cannot agree on a resolution, you can refer your complaint to our external Dispute Resolution Service. This service is independent and will cost you nothing. They will assist us to resolve things with you. The details of this service are:

Financial Services Complaints Limited,

0800 347 257,

Duties Information

DebtFreeDiva Limited, and anyone who gives financial advice on our behalf, 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

Contact Details:

49 Cairns Crescent, Rototuna, Hamilton 



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