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Just Financial

Home Loan, Mortgage, KiwiSaver, Refinancing & Insurance Help

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Licensing Information

Pinnacle Cover Limited (“PCL”) (FSP720591) holds a licence issued by the Financial Markets Authority to provide financial advice services.

PCL may also trade under brands including but not limited to: Just Financial, FRSH, New Construction Finance, and also with the services brandings of Mortgage Rescue and Pinoy Financial.


Normal Work

This document contains general information about what may be a normal procedure however this can vary depending on circumstance and other factors.


PCL may hold relationships with other organisations and parties that are not listed in this document.


Nature and Scope of The Advice

PCL can provide advice to our clients about

  • Insurance (Life, trauma, income protection, total permanent disablement, health)
  • Loans (Home, business, personal)
  • KiwiSaver

The information in the brackets ( ) denoted above are those that PCL will normally be able to provide advice on.


PCL only provides financial advice about products from certain providers.

Furthermore, PCL will tend to work with particular providers over others from its entire available selection. Customers will not normally receive a full comparison or consideration across all providers.

PCL may hold relationships with other organisations and parties that are not listed in this document.


  • For insurance
    • AIA, Fidelity Life, Cigna, Asteron Life, nib, Partners Life
  • For KiwiSaver
    • Generate KiwiSaver, NZ Funds, Booster KiwiSaver, ANZ
  • For loans:
    • ANZ
    • ASB
    • Asset Finance
    • Avanti Finance
    • Basecorp
    • Bluestone
    • BNZ
    • Co-Operative Bank
    • FMT
    • FPL
    • Get Capital
    • Liberty Financial
    • NZCU Baywide
    • Oxford Finance
    • Pepper Money
    • Prospa
    • Resimac
    • SBS
    • Sovereign Home Loans
    • Westpac
    • Zip


Fees or Expenses

PCL may charge a fee in certain circumstances.

A non exhaustive list can include:

  • An fee for assisting with affairs
  • A fee where an action is taken that remuneration is not fully paid, or needs to be returned in part or full to whomever paid it.
    • As one example, this may be caused by a client terminating or reducing an insurance policy within 27 months, or repaying/refinancing/terminating a loan within 28 months.

Also refer to the Letter About Services and terms and conditions for more information.



Conflicts of Interest and Incentives

PCL and/or its advisers receive commissions from the providers on whose products we it gives financial advice about.

For example, usually If you decide to take out insurance or a home loan, or to join a scheme with the help of PCL, PCL may receive commission. The amount of commission can be based on the amount of the premium or home loan, or the KiwiSaver balance.


From time to time, product providers may also provide PCL other matters. This could include but not limited to: a coffee, meal, drink, training, education programmes, stationery, pens, gift, events, or other incentives.


To help that PCL prioritise the client’s interests above their own, PCL looks to operate in a manner that means it is typically influenced by conflicts of interest. PCL has a register of what it defines as substantial gifts/incentives. The director of PCL also reads about conflict of interests from time to time and information around this.


Complaints Handling and Dispute Resolution

If you are not satisfied with our financial advice service you can make a complaint by emailing In the subject line you must include “Complaint”.


When we receive a complaint, we will usually 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.


  • In normal circumstances, we aim to acknowledge complaints within 10 working days of receiving them. It may take more time to provide a response.


  • We will contact you usually by phone or email to let you know the response.


If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact FDRS.


FDRS 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 FDRS by emailing or by calling: 0508337337. You can also write to them at: PO Box 2272, Wellington 6140.


Duties Information

PCL and those qualified and eligible financial advisers giving advice advisers giving advice on its behalf are normally bound by duties to:

  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (have a level of skill as per standards set out)
  • give priority to client interests (to help give a favourable outcome to the customer)
  • exercise care, diligence and skill (operate in a way that has competency)
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (treat you as per standards set out).



Availability of Information

Some disclosure information may be, or may have been provided verbally. This can be requested in writing.


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