One Financial Service

Public Disclosure Statement

This disclosure statement was updated on 01 March 2023.

It is important that you read this document

This information in this disclosure statement is important. It is intended to help you to find a financial advice provider that meets your needs.

Licensing Information

One Financial Service Limited (FSP494849) ("One Finance Service", "we", "us" and "our") is a Financial Advice Provider. We hold a full licence issued by the Financial Markets Authority to provide financial advice. You can find us on the Financial Service Providers Register (

Our Advice Service (Nature and Scope)

One Financial Service provides advice to our clients about their mortgages, risk insurance and general insurance. The financial advice our financial advisers provide is in relation to the following types of insurance and loan products.


Risk Insurance:

Life, Trauma, TPD, Income Protection, Medical

General Insurance:

House, Contents, Vehicle, Business


Home loans, Commercial loans


The main providers whose products we provide financial advice on include;

Risk Insurance:

AIA, Fidelity Life, NIB, Partners Life, Southern Cross Healthcare

General Insurance:

Through brokers channel (IAG, NZI, Classic Cover, IUA, Lumley, QBE, Vero, AMP, Chubb, Rosser, Dual, The Hollard (Ando), Zurich, Orbit Protect)


ANZ, Westpac, ASB, BNZ, SELECT, The Co-operative Bank, SBS Bank, Avanti Finance, Cressida Capital, DBR, First Mortgage Trust, Liberty Financial, Southern Cross, Core Finance, Plus Mortgage Trust, General Finance, Finance Direct

Relevant Fees

We do not charge fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time.

Conflicts of Interest and Incentives

One Financial Service is paid commission by the relevant insurers and lenders when an insurance policy or a loan application is finalised and complete.

For loan products: One Financial Service receive commissions of between 0.2% and 0.85% of the value of the mortgage from bank if you take out a mortgage with them following my advice. - the amount of the commission depends on which bank and what type of mortgage you choose.

For insurance products: One Financial Service receive commissions from the relevant insurance companies if you take out insurance following my advice. The commissions can be around between 25% and 220%(when bonus combined) of the first year's premiums on Personal Risk insurance policy (e.g. life insurance) and around between 3% and 8% of the annual premium on the Fire and General insurance policy (e.g. home insurance) - the commission rate will depend on which insurance company and which insurance policy you choose.

To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. We maintain a close ongoing relationship with clients, regularly reviewing progress and working with them over time to help meet their goals. Our financial advisers complete regular training about how to manage conflicts of interest.

Complaints Handling and Dispute Resolution

If you have a problem, concern, or complaint about any part of our financial advice service, please tell us so that we can try to resolve the problem as soon as possible. You can reach us by telephone on 09 448 1124 or email at or in writing to One Financial Service Limited, PO Box 302559, North Harbour, Auckland 0751.

When we receive a complaint, we will assess it by following our internal complaints process:

- We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately.
- If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint.
- We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint.
- We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot agree on how to resolve the issue or you aren't satisfied with the way we propose to do so, you may refer your complaint to Financial Services Complaints Ltd (FSCL) - A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL's service is free of charge to you.

You can contact Financial Services Complaints Limited at:
Address: PO Box 5967, Lambton Quay, Wellington 6145
Phone: Call Free 0800 347 257

Duties information

One Financial Service, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

  • give priority to the client's interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests;
  • exercise care, diligence, and skill in providing advice;
  • meet the standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; and
  • meet the standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

More information is available by contacting us, or by visiting the Financial Markets Authority website at

Professional Indemnity Insurance

Our advisers are covered under a Professional Indemnity Insurance policy. This insurance is underwritten by QBE Insurance (Australia) Ltd. As with all insurance policies, there are terms, conditions and exclusions that may apply.

Contact Details

One Financial Service Limited (FSP494849, Trading as One Financial Service) is the Financial Advice Provider.

You can contact us at:

Phone: 09 448-1124 or 021-711-482
Office: Unit B4, 34 Triton Drive, Rosedale, Auckland 0632
Postal: PO Box 302-559, North Harbour, Auckland 0751

Disclosure Statement    Privacy   
Office: Unit B4, 34 Triton Drive, Rosedale, Auckland, New Zealand 0632
Postal: PO Box 302-559 North Harbour, Auckland 0751    
Tel: +64 9 448 1124     Fax: +64 9 448 1125     Email:   
Copyright ⓒ One Financial Service Ltd. All Rights Reserved.