Public disclosure statement

Keep Limited is a Financial Advice Provider, licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice.

Financial Service Provider (FSP) number: FSP1000000. You can check this for free on the Financial Service Providers Register (FSPR).

We provide financial advice about home loans and mortgages. We work with a panel of 30+ banks and non-bank lenders, but not every lender in the market. We do not provide tax, legal, investment or insurance advice — though we can refer you to trusted specialists.

In most cases you pay us nothing. When your loan settles, the lender pays us a commission. This is generally an upfront commission of roughly 0.55%–0.85% of the loan amount, and may include an ongoing (trail) commission of around 0.15% per year while you hold the loan.

Commission amounts vary between lenders. We are required to, and will, act in your best interests — not recommend a lender simply because it pays more. We'll disclose the specific commissions relevant to your recommendation before you act on our advice.

Occasionally a fee may apply — for example, if a lender does not pay commission, or if you repay or refinance your loan within the lender's clawback period (commonly the first ~27 months) and the lender reclaims its commission from us. Where any fee could apply, we will tell you the amount (or how it's calculated) and the circumstances, in writing, before you commit.

Under the Financial Markets Conduct Act 2013, we must:

• give priority to your interests;
• exercise care, diligence and skill;
• meet the standards of competence, knowledge and skill, and the standards of ethical behaviour, conduct and client care, in the Code of Professional Conduct for Financial Advice Services;
• only give advice where we are competent to do so.

To ensure our advisers prioritise your interests, we follow an advice process, review a sample of advice for compliance, and provide training. Commissions and any referral arrangements are disclosed to you. Our advisers are not paid bonuses tied to recommending a particular lender.

If you have a problem or concern, please contact us first at hello@keep.co.nz or 0800 536 337. We'll acknowledge your complaint and work to resolve it.

If we can't resolve it together, you can contact our independent dispute resolution scheme, Financial Services Complaints Limited (FSCL). This service is free to you and will help resolve the matter independently.

Hōmi is an automated chat assistant on this website. It provides general information and booking triage only — it does not give personalised regulated financial advice. If you ask for a recommendation, a personalised rate, eligibility assessment, or anything specific to your situation, Hōmi will escalate you to a licensed human adviser.

Under the Financial Markets Conduct Act 2013, regulated financial advice must be given by or on behalf of a licensed Financial Advice Provider. Hōmi is not a licensed adviser. See docs/HOMI-ESCALATION.md for the full escalation policy.

We collect and hold personal information to provide our advice, and we handle it in accordance with the Privacy Act 2020. You can ask to see and correct the information we hold about you. On this demonstration website, any details you submit are stored locally for demo purposes only and are not sent anywhere.