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1. Lenders, Funders & Credit Providers

We work with a range of banks, non-bank lenders, private lenders, and specialist funders to arrange finance for our clients.

Examples include:

Information exchanged
We may share: Client identity information, contact details, financial information, assets and liabilities, income and expenses, credit history, supporting documents, and loan purpose.
We may receive: Credit decisions, conditional approvals, loan terms, pricing information, servicing details, and requests for further information.

Purpose
To assess suitability for lending, arrange finance, facilitate credit decisions, administer approved lending, and provide mortgage advice and services requested by the client.

Legal basis
Privacy Act 2020 – information collected directly from the individual for a lawful purpose and disclosed where necessary to provide requested services.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

2. OpenBanking & Data Aggregation

Akahu

Information exchanged
We may request access using a client authorisation token.
We may receive banking transaction data, account balances, income verification data, and bank statements, as authorised by the client. Bank statements and transaction summaries may then be provided to lenders as part of a loan application.

Purpose
To efficiently obtain and verify income, expenses, and bank statements, and to support loan applications submitted on behalf of the client.

Legal basis
Privacy Act 2020 – express consent and authorisation provided by the client.

How individuals are notified
Akahu's authorisation and consent process, our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

3. Credit Reporting Agencies

Equifax. Other agencies may include Centrix and Illion.

Information exchanged
We may share: Client identity information and credit application details.
We may receive: Credit reports, identity verification results, and credit-related alerts.

Purpose
To verify identity, meet lender requirements, assess creditworthiness, and support responsible lending obligations.

Legal basis
Privacy Act 2020, Credit Reporting Privacy Code 2020, and where applicable AML/CFT Act 2009 (identity verification).

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

4. Property Valuation & Property Information Providers

Valocity, Cotality, Housemart

Information exchanged
Property address and limited client identification where required.
Property valuation reports, property data, and related information.

Purpose
To assess property value and characteristics in support of lending or client advice.

Legal basis
Privacy Act 2020 – disclosure necessary to provide services requested by the client.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

5. Building & Property Inspection and Management Services

Beta Inspect It, Smart Building Inspections, Housemart

Information exchanged
Property address, client name, contact details, and access arrangements.
Building inspection reports, property valuation reports, construction plans and property condition information.

Purpose
To assess property condition in support of lending, due diligence, or client advice. To appraise market rents.

Legal basis
Privacy Act 2020 – disclosure necessary to provide services requested by the client.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

6. Local Authorities & Public Registers

QLDC eDocs

Information exchanged
Publicly held land, building, consent, and property records.

Purpose
To obtain publicly available information relevant to a client's property transaction.

Legal basis
Privacy Act 2020 – publicly available information.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

7. Insurance Providers & Insurance Referrals

Tower Insurance, Rothbury Insurance Brokers

Information exchanged
Client contact details, referral context, and relevant property information (with client consent).
Insurance advice, quotations, policy details, and related documentation.

Purpose
To facilitate insurance advice and arrange insurance services requested by the client.

Legal basis
Privacy Act 2020 – disclosure with client consent.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

8. Professional Referrers & Associated Advisers

Maddison Financial Services

Information exchanged
We may receive client contact details and referral context.
We may share client contact details, statement of position, income information, relevant personal and financial context, and details of loans arranged, in accordance with the Client Authority and Declaration Document.

Purpose
To facilitate referrals, professional collaboration, and related advisory services.

Legal basis
Privacy Act 2020 – disclosure authorised by the client through the Client Authority and Declaration Document.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

9. Foreign Exchange & International Financial Services

XE Money Transfers, UK Pension Transfers

Information exchanged
Client contact details, identification information, and relevant financial and transaction context required to facilitate the referral and service requested.
Confirmation of referral engagement, transaction details, and relevant outcomes where required to support the client's broader financial position or lending application.

Purpose
To facilitate foreign exchange services, international money transfers, and specialist international financial advice (such as pension transfers) requested by the client.

Legal basis
Privacy Act 2020 – disclosure with client consent and where necessary to provide services requested by the client.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

10. Compliance Adviser

Strategi Limited

Information exchanged
We may share: Client files containing personal information during a compliance review or check.
We may receive: Reports that contain or reference client personal information.

Purpose
Compliance assurance.

Legal basis
Privacy Act 2020 – disclosure with client consent.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

11. Disputes Resolution

Insurance & Financial Services Ombudsman Scheme (IFSO)

Information exchanged
We may share: Complaint details containing client personal information.
We may receive: Client complaint details, submissions, evidence collected from the client or third parties.

Purpose
Complaints handling and dispute resolution.

Legal basis
Privacy Act 2020, Financial Service Providers (Registration and Dispute Resolution) Act 2008.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

12. Regulatory Bodies

Financial Markets Authority

Information exchanged
We may share: Client files containing personal information during a compliance monitoring visit or information request.
We may receive: Complaint material, referral information, investigation correspondence, extracts of client statements or evidence.

Purpose
Regulatory supervision; risk identification; enforcement and accountability.

Legal basis
Financial Markets Authority Act 2011; any applicable law subject to the FMA information request.

How individuals are notified
Our Privacy Policy (available on our website), Scope and Engagement Document, Client Authority and Declaration Document, and this Schedule.

General Disclosure Statement

Unless otherwise specified, disclosures to third parties may include client personal contact details where reasonably necessary to facilitate communication and the delivery of services requested by the client.