Disclosure Statement

This statement explains our role, our finance partner chain, the concierge service we provide, and the key facts you should know before using Leverage Finance.

Who operates Leverage Finance

Leverage Finance is a lead-generation and concierge referral service based in New Zealand. It is not a lender, motor vehicle trader, credit provider, or insurance provider.

Our finance partner chain

We pass your pre-approval application to a panel of approved New Zealand finance lenders, via a licensed NZ FSP-registered broker (name and FSP number pending). The broker assesses your application, runs a soft credit check, reviews your supporting documents, and returns a pre-approval decision.

FMA regulation

Our finance partner chain is regulated by the Financial Markets Authority (FMA). The broker is registered as a Financial Service Provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

Fees and commissions

Leverage Finance is free for you. You pay no application fee, no service fee, no concierge fee, no broker fee. We receive a referral fee from our finance partners when a loan you apply for is completed. This referral fee does not increase your interest rate or the cost of your loan. Any third-party costs (such as AA pre-purchase inspections, registration, or insurance) are yours and arranged directly between you and the provider.

Your rate

The pre-approval rate shown to you is the real rate offered by the lender. There is no dealer markup added. The rate is indicative based on the soft credit check and supporting-document assessment, and may be refined at the final loan stage if a hard credit check reveals information not disclosed at application.

Vehicle purchase concierge

If you ask us to deal with the seller of a vehicle on your behalf, we contact the seller, confirm availability and price, and progress paperwork. We do not own, source, sell, or warrant any vehicle. We do not perform or arrange mechanical or pre-purchase inspections. The vehicle purchase contract is between you and the seller. We strongly recommend the buyer arranges an independent AA pre-purchase inspection (typically around $200) before settlement on every used vehicle.

Vehicle quality and condition

Leverage Finance does not warrant the condition, history, mileage, fitness, or market value of any vehicle. The accuracy of the seller's representation of the vehicle is the seller's responsibility. The decision to purchase is yours. An independent AA pre-purchase inspection arranged by the buyer is the recommended safeguard.

Work-visa applicants

Our lender panel includes finance partners who can assess work-visa holders without requiring a long NZ credit history. Eligibility, rate, and term remain at the lender's discretion. Visa documentation is required at the supporting-documents stage.

Supporting documents

Applications are assessed on either recent payslips or 3 months of bank statements, plus visa documentation where applicable. We use the minimum information required to verify your identity, income, and residency.

Offers

Any offer you receive is made by the lender, and its terms, including how long it remains open, are set by that lender and stated in the offer itself. Offers are indicative until the lender issues final loan documents. You can re-apply at any time at no cost.

Dispute resolution

Complaints about Leverage Finance: email [email protected]. We acknowledge within 5 working days and respond within 20. Complaints about lending decisions or lender conduct: raise with the lender directly, then escalate to the FSP-registered broker's dispute resolution scheme if unresolved.