Disclosure Statement

Capital Connect Limited (FSP1012401, NZBN 9429051783723), trading as Lantern Financial, holds a full Class 2 Financial Advice Provider licence issued by the Financial Markets Authority under the Financial Markets Conduct Act 2013. Licence issued 5 June 2026.

Business Address: Level 7, 152 Quay Street, Auckland CBD 1010

Phone: 027 231 7143

Email: hello@lanternfinancial.co.nz

Our Financial Advice Provider is supported by The Adviser Platform (TAP), which provides our compliance framework and adviser systems.

Financial advice is provided by:

Frank Fa (Yilai Fa), FSP1012734, Financial Adviser. Frank provides advice on residential mortgage and lending products in English, Mandarin and Japanese.

Tammy Crause (Tamaryn Claire Crause), FSP1012615, Financial Adviser and Director. Tammy provides advice on residential mortgage and lending products.

Taneel McCann, Financial Adviser. Taneel provides advice on residential mortgage and lending products.

All advisers are engaged by Capital Connect Limited, trading as Lantern Financial and are covered by its dispute resolution scheme membership. You can verify our registrations on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz.

Capital Connect Limited and its advisers hold professional indemnity insurance through QBE Insurance, arranged through The Adviser Platform.

We provide financial advice on residential mortgage and lending products, including:

• Home loans (owner-occupied and investment)
• First home buyer lending, including KiwiSaver first-home withdrawal and Kāinga Ora First Home Loan guidance
• Refinancing and loan restructuring
• Construction and new-build lending
• Lending for recent migrants and non-residents

We work with a panel of New Zealand banks and non-bank lending institutions. We do not provide advice on insurance, KiwiSaver fund selection, or other investment products.

Our advice is provided at no cost to you. We are paid a commission by the lender when your loan settles. The commission amount varies by lender and loan size but does not affect the interest rate or terms of your loan.

In rare cases involving complex or non-standard applications, a fee may apply. If so, this will be discussed and agreed with you before any work begins.

We may also receive trail commissions from some lenders. This is an ongoing payment for the life of the loan. Full details of commissions can be provided on request.

Because we receive commissions from lenders, there is a potential conflict of interest, as we may be incentivised to recommend a lender that pays a higher commission. We manage this conflict by:

• Always prioritising the outcome that best suits your needs and circumstances
• Disclosing all commissions on request
• Maintaining an internal conflicts of interest policy
• Being transparent about why we recommend a particular lender or product

We are bound by the following duties under the Financial Markets Conduct Act 2013:

• Duty to meet the standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services
• Duty to give priority to the client's interests in any conflict situation
• Duty to exercise care, diligence and skill
• Duty to meet the standards of ethical behaviour, conduct and client care set by the Code

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

• Email: hello@lanternfinancial.co.nz
• Phone: 027 231 7143
• Address: Level 7, 152 Quay Street, Auckland CBD 1010

We will acknowledge your complaint within 2 working days and work to resolve it as quickly as possible.

If we cannot resolve your complaint, or you are not satisfied with our response, you can refer it to our independent dispute resolution scheme, free of charge:

When you engage us for mortgage advice, we follow a clear process:

1. Understanding your situation: We discuss your goals, financial position and any constraints (visa, income source, timeline).
2. Research and analysis: We assess lending options across our panel of banks and non-bank lenders to find suitable products.
3. Recommendation: We present our recommendation and explain why we believe it suits your situation, including any risks.
4. Implementation: With your approval, we handle the application, liaise with the lender and manage the process through to settlement.
5. Ongoing support: We're available after settlement for rate reviews, restructuring, or any questions.