How Belmont is registered, what services are inside scope, and what borrowers should know before engaging.
Belmont is the trading name of Belmont Financial Services Limited, a New Zealand registered company arranging finance through a panel of accredited lenders.
Belmont is a credit broker. Belmont prepares files, presents them to lenders on the panel, and assists with settlement once a lender approves.
Belmont is not a Financial Advice Provider under the Financial Markets Conduct Act 2013 and does not provide regulated financial advice. Belmont arranges credit only, under the Credit Contracts and Consumer Finance Act 2003.
Belmont does not recommend a specific lender as suitable for a borrower's overall financial position. Belmont presents placement options and the borrower then chooses from those options with full disclosure of the terms involved.
Belmont works with a panel of accredited New Zealand lenders. Each application is assessed against lender policy and pricing before any hard credit enquiry is recorded against the borrower.
The specific lender or lenders Belmont approaches on a file is named in the engagement letter Belmont issues before any submission. Borrowers may decline the proposed placement at any point before written authorisation to proceed.
Belmont is paid commission by lenders, not by borrowers. Belmont manages the conflict that this creates by naming the proposed lender and the indicative commission in the engagement letter, and by requiring written borrower authorisation before submitting any application.
Belmont has no ownership stake in any panel lender. Belmont does not accept volume bonuses, soft incentives, or non-cash benefits from lenders.
Borrowers experiencing financial hardship — illness, injury, loss of employment, end of a relationship, or similar — have rights under sections 55 to 59A of the Credit Contracts and Consumer Finance Act 2003 to apply to the lender for a variation to the loan contract.
Belmont is not the lender. Hardship applications must be made to the lender holding the loan, in writing, within four months of the change in circumstance. Belmont can pass a borrower's details to the lender's hardship team on request — email info@belmontfinance.co.nz.
Belmont's internal complaints procedure is set out at /complaints. If a complaint cannot be resolved internally, borrowers may escalate to the Financial Dispute Resolution Service, the approved scheme Belmont is a member of.
Belmont is paid by the lender on settlement of an approved loan. Commission falls within a range of one to three percent of the loan principal, varying by lender and loan size. The exact commission for a borrower's file is disclosed in the engagement letter before any application is submitted.
Last updated 30 April 2026.