Riona Rameka
Important information about the financial advice services provided by Riona Rameka on behalf of Lift Capitals Limited.
Adviser Details
Riona provides financial advice on behalf of Lift Capitals Limited, a licensed Financial Advice Provider.
Services Provided
Riona helps clients choose and apply for a loan that is suitable for their purpose from a panel of lenders. Once a suitable lender and loan terms have been chosen, she helps clients obtain an approval.
Lenders Available
ANZ, Westpac, BNZ, ASB, ASAP Finance Limited, Avanti Finance, Cressida Capital, DBR, First Mortgage Trust, Heartland Bank, Liberty Financial Limited, NZCU, Pepper, RESIMAC, SBS Bank, Select Home Loan, Southern Cross, Sovereign, The Co-operative Bank, Bank of China (New Zealand) Limited, Zip Business, Basecorp Finance, CFML.
Products Advised On
Home Loans, Investment Loans, and Construction Loans.
Referral Partners
Tower - F&G, Asset Finance, UK Pension Transfers, and XE Money.
Important Information
Riona is unable to offer legal or tax advice and recommends you consult your solicitor or accountant for this type of advice.
Fees
Generally no fee is charged for the financial advice provided. This is possible because, on settlement of a loan, commission is usually received from the lender.
A one-off fee may apply where no lender commission is received. Any such fee would be agreed and authorised in writing before the services are completed, and would be based on an estimate of the time spent providing the advice.
A one-off fee may also apply where commission must be repaid within 28 months of drawdown due to repayment or material changes to the loan. Any such fee would be no more than $2,500 plus GST, based on $250 plus GST per hour, and will not exceed the amount of commission that must be repaid. You will be invoiced for any one-off fee and given 30 days to make payment.
Commissions & Incentives
On settlement of a loan, Riona usually receives a commission payment from the applicable lender. This is generally an upfront commission payment but may also include an ongoing trail commission payment. A fixed rate roll over fee may also be paid where assistance is provided with refixing your loan.
From time to time, incentives or rewards may also be received from lenders, such as gifts or event tickets.
Conflicts of interest are managed by following an advice process that identifies your needs and goals, recommending the best product for you regardless of commission, ensuring the amount of any loan is in accordance with your identified needs, providing the lender commission table as part of the advice process, and undertaking regular training on conflict management. The lender commission table appears on pages 4 and 5 of the disclosure PDF. :contentReference[oaicite:1]{index=1}
If any variations to commission percentages or other commission payments apply specifically to your loan application, these will be disclosed as part of the advice process. A referral fee or commission payment may also be received if you are referred to any referral partners. :contentReference[oaicite:2]{index=2}
Complaints
If you have a complaint about Riona’s financial advice or the service provided, please contact Riona directly by phone or email using the heading Complaint - Your Name. Please set out the nature of your complaint and the resolution you are seeking.
Receipt of the complaint will be acknowledged within 24 hours. The complaint will then be recorded in the Complaints Register and worked through with you. An answer is aimed to be provided within 7 working days of receiving your complaint. If a resolution cannot be agreed, the complaint can be referred to the external dispute resolution service below. :contentReference[oaicite:3]{index=3}
Insurance & Financial Services Ombudsman Scheme
Email: info@ifso.nz
Phone: 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 electronic platform used to store personal information is secure and run on Amazon Web Services. :contentReference[oaicite:4]{index=4}