Lyn Goh

Financial Adviser

FSP: 1006872
Email: lyn@homelend.co.nz
Phone: 021 0837 2288

Lyn is a Financial Adviser authorised to provide regulated financial advice under the licence held by Lift Capital Limited (FSP 754351).

Nature and Scope of Advice

Lyn provides advice on lending and finance solutions through a panel of approved lenders. This includes helping clients assess suitable loan structures and funding options.

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.

Advice Not Provided

Lyn does not provide advice on legal or estate planning matters, general insurance, personal insurance, or investment products such as shares, bonds, managed funds, or KiwiSaver. Clients should seek advice from an appropriate specialist for these matters.

Commissions and Incentives

If a mortgage proceeds following Lyn’s advice, commissions may be received from the lender on settlement. These generally range between 0.50% and 0.85% of the initial mortgage balance or funded amount. Ongoing commissions of 0.15% to 0.20% of the mortgage balance may also be received on each anniversary.

Commissions are shared with Lift Capitals Limited t/a Homelend for compliance, training, and back-office support.

Conflicts of Interest

Lyn manages conflicts of interest by following an advice process that prioritises each client’s needs, circumstances, and goals; researching suitable products and lenders; undertaking annual conflict management training; and operating within Homelend’s compliance and audit framework.

Fees

In most cases, Lyn does not charge a fee where a loan proceeds and commission is paid by the lender. A fee may apply where a mortgage is cancelled or refinanced within the first two years after settlement. In that case, the fee is calculated at $250 per hour for time spent providing advice.

A one-off fee may also be charged where Lyn is asked to act on a transaction for which no commission is received, or where assistance is requested with a provider outside Homelend’s accredited panel. Any such fee would be agreed in advance and authorised in writing.

Reliability History

Neither Lyn nor Lift Capitals Limited t/a Homelend has been subject to a reliability event that would materially influence a client’s decision to seek advice.