CREDIT SERVICES DISCLOSURE

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About One Bridge Finance

One Bridge Finance is operated by AM & RJ Holdings Limited (NZBN 9429051241766), trading as One Bridge Finance.

Financial Service Provider Number: FSP757851
Phone: 021 393 338
Email: info@onebridgefinance.co.nz
Member of: Financial Services Complaints Limited (FSCL)

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What We Do

One Bridge Finance is a finance broker, not a lender. This means:

• We help you find and apply for finance from lenders we work with
• We assess your needs and match you with suitable lending options
• We manage the application process on your behalf
• The actual loan or finance agreement is between you and the lender, not One Bridge Finance

We do not make lending decisions — the lender does. Final approval depends on the lender’s assessment of your application and their lending criteria.

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Our Lending Partners

We work with the following lenders to arrange finance for our clients. Each lender has their own lending criteria, interest rates, fees, and terms.

Click on any lender name below to view their current rates, fees, and terms & conditions:

Avanti Finance
View rates, fees & terms

Finance Now
View rates, fees & terms

Geneva Finance
View rates, fees & terms

Heartland Bank (Marac)
View rates, fees & terms

We may add or remove lending partners from time to time. This list is current as of the date shown at the bottom of this page.

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How We’re Paid

We may receive commission from lenders when we arrange finance on your behalf. Commission rates vary by lender and product type.

Introducer Fees:
We may receive introductions from third parties such as motor vehicle dealers, mortgage brokers, or other referral partners. These introducers may receive a referral fee from us when we arrange finance for clients they introduce to us.

Important:

• Commission paid to us by lenders does not affect the interest rate or fees you pay
• Referral fees paid to introducers do not affect the interest rate or fees you pay
• You are not charged any fees directly by One Bridge Finance for arranging your finance
• All costs are disclosed in your credit contract with the lender before you sign

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Conflicts of Interest

We work with multiple lenders on standard commercial terms. We have no ownership interest in any of the lenders we work with.

When assessing your application, we consider:

• Your specific needs and circumstances
• The lending criteria of our partner lenders
• The rates, fees, and terms available

We aim to match you with a lender and product that suits your situation, not based on which lender pays us the highest commission.

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Your Responsibilities & Authorisations

When you apply for finance through One Bridge Finance, you must provide accurate and complete information.

By applying, you authorise us to:

• Access your credit file from credit reporting agencies
• Share your personal information with potential lenders and other third parties as described in our Privacy Policy
• Conduct employment and income verification checks
• Verify the information you have provided with relevant third parties (including employers, landlords, banks, and government agencies)
• Lodge information about your application and any subsequent credit contract with credit reporting agencies

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Responsible Lending

One Bridge Finance operates under the Credit Contracts and Consumer Finance Act 2003 (CCCFA).

We are required by law to:

• Ensure any loan we arrange is affordable and suitable for your circumstances
• Conduct proper affordability assessments before submitting applications
• Provide full disclosure of all terms, fees, and costs before you enter into any credit agreement
• Act in good faith and with reasonable care

Before a lender advances any funds, you will receive:

• Initial disclosure — key terms, rates, fees, and total cost of credit
• Full disclosure — the complete credit contract with all terms and conditions

You must receive and review these documents before signing any agreement.

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Making a Complaint

If you have a complaint about our service, please contact us:

Phone: 021 393 338
Email: info@onebridgefinance.co.nz

We will acknowledge your complaint and work to resolve it as quickly as possible.

If your complaint is not resolved to your satisfaction:

You can escalate it to our external dispute resolution provider:

Financial Services Complaints Limited (FSCL)
Phone: 0800 347 257
Email: info@fscl.org.nz
Website: www.fscl.org.nz

FSCL is an independent service that helps resolve disputes between consumers and financial service providers.

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Your Privacy

We collect, use, and share your personal information in accordance with our Privacy Policy.

You have the right to:

• Access any personal information we hold about you
• Request corrections if information is incorrect
• Ask how your information is being used

For privacy-related questions or requests, contact us at info@onebridgefinance.co.nz or 021 393 338.

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More Information

For general enquiries about our services, please contact us:

Phone: 021 393 338
Email: info@onebridgefinance.co.nz

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This disclosure statement was last updated: 16/02/2026