Important Information About Our Business
Kensington Castles Limited t/a Boost Brokers
Kensington Castles Limited holds a transitional financial advice provider licence issued by the Financial Markets Authority (FMA) to provide financial advice services.
Financial Services Provider Number: FSP476806
Contact Details
Office Address: 11 James Street, Whangārei 0110
Phone: 09 777 0067
Email: info@boostbrokers.co.nz
Website: www.boostbrokers.co.nz
Nature and Scope of Our Financial Advice Services
We provide advice to help you choose a loan suitable for your needs from a wide panel of lenders. Once a suitable loan and lender are selected, we assist with obtaining an approval.
Our Duties to You
We adhere to the duties set out in the Financial Markets Conduct Act 2013, including:
Meeting standards of competence, knowledge, and skill.
Giving priority to your interests.
Exercising care, diligence, and skill.
Maintaining high standards of ethical behaviour and client care.
Lenders We Work With
We source loans from a panel of approved lenders including:
ANZ, ASB, Cressida Capital, Heartland Bank, RESIMAC, Westpac, ASAP Finance Limited, DBR, Liberty Financial, SBS Bank, The Co-operative Bank, Basecorp Finance, BNZ, Avanti Finance, First Mortgage Trust, NZCU Baywide, and PROSPA.
Types of Financial Advice We Provide
We can advise you on:
Home Loans
Business & Investment Loans
Rural Loans
Asset Finance
Personal & Debt Consolidation Loans
Additional Services Through Referral Partners
We can also connect you with trusted partners for services including:
Personal Insurances
General Insurances
Foreign Exchange Services
Generate KiwiSaver
Fees and Expenses
In most cases, we do not charge you for our financial advice. We are generally compensated by commissions from lenders upon settlement of a loan.
However, we may charge a one-off fee in the following situations:
1. No Commission Received:
If we do not receive a commission from the lender, a one-off fee may apply. This would be agreed upon in writing before we proceed and would reflect the time spent on your behalf.
2. Commission Repayment to Lender:
If we are required to repay commission to the lender within 28 months of loan settlement, we may charge a fee of up to $2,500 + GST. This is based on an hourly rate of $250 + GST and will not exceed the amount we repay.
Any fee charged will be invoiced and payable within 30 days.
Conflicts of Interest & Commissions
We typically receive upfront and/or trail commissions from lenders when your mortgage settles. In some cases, we also receive a fixed fee for helping with loan refixes.
We manage potential conflicts by:
Recommending the best product for your needs, regardless of commission.
Aligning loan amounts with your financial goals.
Disclosing commission structures from each provider.
Informing you of exact commission details once your loan is accepted.
We may also receive referral commissions when you are referred to our partner services.
Privacy & Confidentiality
We collect personal information in accordance with our Privacy Policy. Your confidentiality is a top priority. We do not share your information unless required by law or as outlined in our Privacy Policy.
Complaints Process
If you are dissatisfied with our service, please let us know.
How to Make a Complaint:
Contact us by phone or email with the subject line: Complaint – [Your Name]. Include details of the issue and your preferred resolution.
We will:
Acknowledge your complaint within 24 hours
Record it in our Complaints Register
Work with you to resolve it, including offering to meet
Respond within 7 working days
If unresolved, you may refer your complaint to our free, independent external service:
Financial Dispute Resolution Service
Email: enquiries@fdr.org.nz
Phone: 0508 337 337
Access to Information
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Privacy Policy
Introduction
Kensington Castles Limited ("we", "us", "our") complies with the New Zealand Privacy Act 2020 ("the Act") when handling your personal information. Personal information refers to any data about an identifiable individual (a natural person). This policy outlines how we collect, use, disclose, and protect your personal information.
This policy does not limit any of your rights under the Act. For more information, you may contact our Privacy Officer at info@boostbrokers.co.nz or visit www.privacy.org.nz.
Changes to This Policy
We may update this policy by publishing a revised version on our website. Any changes will take effect from the date the updated policy is uploaded.
What Is Personal Information?
Personal information includes, but is not limited to:
Your name, address, contact details, date of birth, occupation, payment details, employment history, education and qualifications, financial information, testimonials, feedback, and in some cases, information such as source of funds or wealth.
How We Use Your Personal Information
We use your personal information to:
Verify your identity
Provide products and services
Market our services to you (including via phone, text, or email)
Improve our offerings
Respond to your communications or complaints
Protect and enforce our legal rights
Fulfill any other purpose authorised by you or the Act
Disclosure of Personal Information
We may disclose your personal information to:
Service providers acting on our behalf (e.g., hosting providers, consultants, legal advisers)
Product providers, such as lenders or insurance companies
Financial advisers using our services
Third parties conducting compliance checks or audits
Identity verification agencies (e.g., DIA, NZTA)
Social media platforms
Regulatory authorities (e.g., FMA, Ministry of Justice)
The Office of the Ombudsman
Privacy-related authorities (e.g., Privacy Commissioner, Human Rights Commission, CERT NZ)
Overseas privacy regulators (if applicable)
Any person you authorise us to share your information with
We do not disclose personal information without your consent unless required by law.
Protecting Your Information
We take all reasonable steps to protect your personal information from loss, unauthorised access, or misuse. Our software is regularly audited to ensure it meets security standards. All data is encrypted during transfer and storage and can only be accessed via secure network connections.
Storing Personal Information
We retain your personal information only for as long as necessary for lawful purposes. Data stored online is regularly backed up to prevent loss or corruption.
In some cases, data may be stored on-premise at our Whangārei (11 James Street) or Wellsford (115 Harataua Road) offices if collected outside of our software systems.
Accessing and Correcting Your Information
Under the Act, you have the right to access and correct your personal information (subject to legal exceptions). We may ask for proof of identity before processing your request.
If a correction is reasonable and feasible, we will update the information. If we do not make the change, we will note your request on the record.
To request access or corrections, email us at info@boostbrokers.co.nz. Please include proof of identity and the details of your request.
Data Breaches
We have processes in place for handling data breaches. If a breach occurs, we will promptly identify, investigate, and report it as necessary.
Internet Use
While we take steps to secure our website, sharing personal information over the internet is done at your own risk.
If you follow links to third-party websites, please review their privacy policies before providing any personal information.
We use cookies to monitor website usage. You can disable cookies in your browser settings, though some website features may not function as a result.
We may also use usage data from our website and IT systems to prevent unauthorised access or security threats. This includes support from third-party service providers who may have access to monitoring and system data.