FIRST HOME GUARDIAN 
LIMITED - DISCLOSURE

First Home Guardian Limited (FSP1007924) is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services.

You can find First Home Guardian Limited listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz.

The conditions of our licence allow us to provide financial advice services related to our specialist area of home lending only.

First Home Guardian Limited works with you (the client) to determine your home lending needs and works with the banks and lenders to recommend the lending products and solutions that best fit your circumstances and requirements.

First Home Guardian Limited works with the following banks and lending institutions:

In place of an upfront fee paid by you, First Home Guardian Limited is paid a commission by the providers for arranging the lending on their behalf.

The services First Home Guardian Limited offer are provided free of charge to our clients. This is because we are paid by the providers when one of their products is taken up on the back of our recommendation. We may also receive ongoing "trail" commissions from the providers whose products we advise on and some providers will also give us a small administration fee when servicing our clients.

Although we are paid by the providers, we always put your interests first:

You should be aware there are potential conflicts of interest that you, the client may need to take into consideration when you decide to seek and accept financial advice from us or our advisers. We will also make you aware of any conflicts when giving advice through this and our advisor disclosure.

Aera 22 Opco Limited and First Home Guardian Limited are independently managed businesses, however both are ultimately owned by Aera 22 Limited, a widely held company with more than 20 shareholders.

There is no financial incentive or commission arrangement between Aera 22 Opco Limited and First Home Guardian Limited. The latter is required to maintain full adviser independence and act in the best interests of the client, regardless of whether the property is sourced through Aera 22 Opco’s marketing relationships or an unrelated vendor.

The platform operated by Aera 22 Opco Limited is independent from the developers who utilise it for marketing their developments; its role is limited to matching first-home buyers with participating developers and their developments.
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Financial advisers at First Home Guardian Limited receive no remuneration from the provision or use of Aera Credits™. All potential or perceived conflicts are transparently disclosed and acknowledged by clients before proceeding, ensuring compliance with the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services 2025.

Aera Credits™ are a contribution provided by Aera 22 Opco Limited to eligible members to help them navigate and fast-track their first-home journey.
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Through engagement with the Aera App, members unlock Credits that can be used to contribute to their first home deposit, debt repayment and/or cash contribution. This contribution is paid by Aera 22 Opco Limited to eligible members who have entered into an unconditional sale and purchase agreement with a participating developer. Any payment is at the full discretion of Aera 22 Opco Limited in accordance with the Credits terms found here.

First Home Guardian Limited has no influence in the granting of Credits to any member.

While this incentive is sometimes available, the mortgage advice provided by First Home Guardian Limited remains fully independent and based on each client’s financial situation and goals.

Clients are not required to purchase an Aera 22 Opco Limited developer referred property in order to use First Home Guardian Limited’s services. Advisers will explore a wide range of property options and financing solutions to ensure recommendations align with the client’s best interests.

Where a client wishes to include their Aera Credits™ balance as part of their deposit or for debt-reduction purposes, this is treated as one of several available tools to support their home-ownership goals. The inclusion of this incentive in any recommendation is solely at the client’s request and considered within the broader scope of advice.

First Home Guardian Limited and its advisers do not receive any financial benefit from Aera 22 Opco Limited’s developer marketing fee or Aera Credits™ contributions.

Adviser remuneration is not linked to the use of Aera Credits™ or the purchase of Aera-approved properties.

Any potential or perceived conflicts are documented and addressed transparently throughout the advice process.

Disclosure of this relationship is provided in writing through the adviser’s Disclosure Statement, Scope of Work email, and Statement of Advice, and clients are required to acknowledge in writing that they have read and understood the disclosure before proceeding.

The use and acceptance of any Aera Credits™ is at the discretion of Aera 22 Opco Limited, the client, and the selected lender, and remains subject to standard credit criteria.

First Home Guardian Limited is committed to ensuring that all advice remains client-focused, transparent, and consistent with the principles of integrity and fairness.

Under the Financial Markets Conduct Act 2013, it is the duty of First Home Guardian Limited to ensure we:

We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with our services. If you would like to raise a complaint about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint.

Our internal process involves:

If you would like to make a complaint, please email:  complaints@aera.nz

If you are unsatisfied with the outcome of our internal complaints process, and we cannot resolve your complaint using our internal complaints resolution process, you can contact our dispute resolution scheme as follows:

Scheme Name: Financial Services Complaints Limited
Address: PO Box 5697, Wellington 6140
Telephone Number: 0800 347 257
Email Address: complaints@fscl.org.nz

They are an independent dispute resolution service provider that helps resolve complaints aboutfinancial service providers, free of charge