This is all about disclosure in regard to how an Adviser gets paid and what happens in the event of early repayment. If the Adviser failed to disclose in their Term of Business then they don't have a leg to stand on.
In my business our disclosure is crystal clear. If a banks pays a commission...
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As most people require some form of funding it's that market which is evolving really fast.
RBNZ set to introduce DTI's (which will have no effect unless rates drop below 5%) and ease up on LVR's which will stimulate first home buyers. The government is reducing Brightline and reintroducing tax...
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