Lyn Goh

Adviser Details

Lyn Goh is authorised to provide regulated financial advice under the licence held by Lift Capitals Limited.

Services Provided

Lyn provides mortgage and lending advice tailored to your circumstances and goals, helping you compare suitable products and guiding you through the application and approval process.

Lenders Available

ASB, ANZ, BNZ, Westpac, ASAP Finance, Avanti Finance, Bluestone, Liberty Financial, First Mortgage Trust, The Co-operative Bank, SBS Bank, Basecorp, Southern Cross Partners, DBR, Cressida Capital, Pepper Money, Prospa, Resimac, Bank of China (New Zealand) Limited, China Construction Bank (NZ) Ltd, Funding Partners (CFML), Heartland Bank, ICBC Industrial and Commercial Bank of China (New Zealand) Limited, Plus Finance, Pallas Capital, Unity.

Products Advised On

Home Loans, Mortgage Refinancing, Investment Lending, Construction Finance, and Business Lending where applicable.

Important Information

Lyn does not provide advice relating to legal or estate planning matters such as wills, trusts, or contracts.

Lyn does not provide general insurance advice, personal insurance advice, or investment product advice such as shares, bonds, managed funds, or KiwiSaver.

You should consult an appropriate specialist adviser if you require advice in these areas.

Fees

Lyn does not charge a fee if you decide to take a loan and it settles with a lender from the approved panel, as commission may be paid by the lender.

However, a fee may apply if you cancel or refinance your mortgage within the first two years after settlement.

The fee for financial advice will be calculated at $250 per hour based on time spent. An invoice will be issued and payment is due within 5 working days.

A one-off fee may also apply where Lyn acts on your behalf with a provider outside the accredited panel or where no commission is payable. Any such fee would be agreed in advance and authorised by you in writing.

Commissions & Incentives

Lyn may receive commission at settlement from the relevant lender if you choose to take out a mortgage following her advice. Commissions are generally between 0.50% and 0.85% of the initial mortgage balance or funded amount.

An ongoing trail commission of approximately 0.15% to 0.20% of the mortgage balance may also be received annually.

The commission received is shared with Lift Capitals Limited t/a Homelend for compliance support, training, and back-office support.

Conflicts of interest are managed by prioritising your interests, following a structured advice process, researching suitable products, annual training, maintaining a conflicts register, and regular compliance reviews.

Reliability History

Neither Lift Capitals Limited t/a Homelend nor Lyn Goh has been subject to a reliability event that would materially influence your decision to seek advice.

Complaints

If you have a complaint about Lyn’s financial advice or service, please contact Lyn directly by phone or email using the heading Complaint - Your Name.

Your complaint will be acknowledged within 24 hours, recorded in the Complaints Register, and worked through with you. A response will be provided within 7 working days where possible.

If a resolution cannot be agreed, the complaint may be referred to:

Insurance & Financial Services Ombudsman Scheme
info@ifso.nz
0800 888 202

Privacy & Security

Personal information is collected in accordance with the Privacy Policy. Client confidentiality is regarded as of paramount importance. Confidential information will not be disclosed except in accordance with the Privacy Policy. The platform used to store information is secure and run on Amazon Web Services.