Adviser disclosure · FSP615549
Riona Rameka
Mortgage Adviser, Lift Capitals Limited (FSP754351). A specialist lender with over 15 years of banking & finance experience. Whether it’s a personal loan, home loan, housing under construction or complex property development — Riona can help.
Services provided
R helps clients choose and apply for a loan that is suitable for their purpose, and assists through to approval and settlement. Riona Rameka provides financial advice on behalf of Lift Capitals Limited, a licensed Financial Advice Provider.
Lenders available
Referral partners
Important information
Riona Rameka is unable to offer legal or tax advice. For matters relating to legal advice or tax structuring, we recommend you consult your solicitor or accountant.
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, or where commission must be repaid (clawed back) within 28 months of drawdown due to repayment or material changes to the loan. Where clawback applies, any fee would be no more than $2,500 plus GST, based on $250 plus GST per hour, and will not exceed the commission that must be repaid. Any fee will be agreed in writing in advance.
Commissions & incentives
On settlement of a loan, Riona Rameka usually receives commission from the lender. This is generally an upfront commission payment and may also include an ongoing trail commission payment. A fixed-rate roll-over fee may also be paid where assistance is provided with refixing.
Conflicts of interest are managed by:
- Following an advice process that identifies your needs and goals first
- Recommending the most suitable product regardless of commission
- Ensuring loan amounts suit your identified needs
- Disclosing commission structures up-front
- Undertaking regular training on conflict management
Complaints & dispute resolution
If you have a complaint about Riona Rameka’s financial advice or service, please contact R directly by phone or email using the heading Complaint — Your Name. We will acknowledge the complaint promptly and aim to resolve it internally.
If the complaint cannot be resolved internally, it may be referred to our external dispute resolution scheme:
Insurance & Financial Services Ombudsman Scheme (IFSO)
Email: info@ifso.nz · Phone: 0800 888 202
Website: www.ifso.nz
The scheme will not charge a fee to any complainant to investigate or resolve a complaint.
Duties & Code of Conduct
Riona Rameka (and the team at Lift Capitals Limited) are bound by the duties of the Financial Markets Conduct Act 2013 to:
- Meet the standards of competence, knowledge and skill required by the Code of Professional Conduct for Financial Advice Services
- Give priority to the client’s interests
- Exercise care, diligence and skill
- Meet the standards of ethical behaviour, conduct and client care required by the Code
Privacy & security
Personal information is collected in accordance with our Privacy Policy. Client confidentiality is regarded as of paramount importance. Information is stored on a secure electronic platform run on Amazon Web Services.