By Design Mortgages Limited (FSP761891) is a Financial Advice Provider (FAP) licensed by the Financial Markets Authority to provide financial advice.




By Design Mortgages Limited provides advice to our clients about their mortgages. Our financial adviser provides financial advice in relation to mortgages:


• For mortgages, we work with five banks – ANZ, ASB, BNZ, Westpac & The Co-operative Bank.


• For mortgages, we work with these non-bank lenders – Liberty, Bluestone, Resimac, Peppermoney, 

   First Mortgage Trust, NZCU & Avanti Finance




Unless specifically negotiated in advance, the financial advice that By Design Mortgages Limited provides to our clients for a mortgage at no cost to the client. 




For mortgages, By Design Mortgages Limited and the financial adviser receive commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to your financial adviser. The amount of the commission is based on the amount of the mortgage.


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 undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.




We are committed to dealing quickly and appropriately with any complaints. In the first instance, please email us at or call us direct on 027 251 6128.

When we receive a complaint, we will consider it following our internal complaints process:


  • We will consider 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. If we are unable to, we will contact you within that time to let you know we need more time to consider your complaint.

  • We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.


If we are unable to resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd (FSCL). Financial Services Complaints Ltd provides 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 FSCL by emailing or calling 0800 347 257, or in writing to FSCL, PO Box 5967, Wellington 6145.




By Design Mortgages 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 is not 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



By Design Mortgages Limited (FSP761891) is the Financial Advice Provider


You can contact us at:

Phone: 027 251 6128

Address: 43b Hicks Close, Whitby, Porirua 5024