Dosh is a New Zealand–owned Fintech and a licensed financial service provider. We assist customers with arranging home loans through our lending partnerships with Westpac New Zealand and Avanti Finance (our non‑bank lending provider).
Dosh is the trading name of MCA Investments Limited (NZBN 9429048713511), which is registered on the Financial Service Providers Register (FSP1000801) and holds a licence issued by the Financial Markets Authority (FMA) to provide regulated home loan advice.
MCA Investments Limited is a member Financial Services Complaints Limited (FSCL), an independent and approved financial dispute resolution scheme.
All financial advisers providing regulated advice under the Dosh brand are covered by this membership. Any concerns or complaints relating to advice or services provided by Dosh or its advisers can first be raised directly with Dosh. If the matter cannot be resolved, it may be referred to FSCL for independent review at no charge to you.
Our advisers are legally required under the Financial Markets Conduct Act to:
Financial advisers are regulated by the Financial Markets Authority (FMA). Further information, guidance, and consumer warnings can be found at: https://www.fma.govt.nz
We confirm that appropriate checks have been completed and that our advisers have not been declared bankrupt or insolvent, nor have they been criminally convicted or publicly disciplined.
Working with Dosh means receiving specialist home loan advice supported by strong knowledge of our lending partners’ policies and purpose‑built technology that streamlines much of the process. This allows your adviser to focus on understanding your situation and guiding you clearly through each stage.
You can be confident that any advice provided is tailored specifically to you. Our advisers are experienced specialists whose sole focus is identifying solutions that align with your needs. There are no advisor incentives to recommend unsuitable products—only clear, considered advice aimed at achieving the best outcome for you.
How We Can Help
We can assist you with arranging a home loan to purchase, build, or refinance a property. Beyond the loan itself, we also support you through the wider property‑buying journey.
This includes guidance during due diligence and providing education to help you understand each step of the process.
Impartial Home Loan and Property Guidance
Our advisers work with first‑home buyers, investors, professionals, and others with diverse financial circumstances. We understand that no two situations are the same.
In most cases, our advice comes at no direct cost to you and can help you save money for other priorities. We can also provide general feedback on potential properties and assist with due‑diligence considerations once you have identified a property of interest.
Strategies to Reduce Your Home Loan Faster
With structured planning and ongoing support, we can help you explore ways to reduce your home loan term and pay your loan off sooner.
You can contact your adviser by phone or email throughout the process.
What We Are Not Able to Advise On
Our advisers cannot provide legal or tax advice, and we recommend consulting a qualified solicitor or accountant for these matters.
Any information we provide about KiwiSaver withdrawals for first‑home purchases is limited to explaining eligibility, amounts that may be withdrawn, and the relevant process. We do not provide advice on whether a KiwiSaver withdrawal is appropriate for your retirement planning. For that, you should speak with an investment adviser.
We do not provide financial advice on financial matters not related to home loans.
From time to time, Dosh may make available to customers promotional offers or incentives provided by our partners. These may include:
Each incentive may have eligibility criteria, such as a minimum loan amount or other conditions. These will be clearly disclosed to you before you accept an offer.
How Partner Incentives Affect Our Advice
Our advisers are required to act in your best interests, and to recommend a loan structure and lender that is suitable for your needs and circumstances.
To support this:
Any incentive offered to you is a customer benefit only. It does not affect the advice you receive, the lender we recommend, or the loan amount we consider appropriate for your situation.
Our advisers must:
If an incentive is available, your adviser will tell you about it outside of determining which loan option is most suitable for you.
Commission
Most of our services are provided without an upfront fee. This is because we generally receive an upfront commission from the lender once a loan is settled. Commission levels can vary depending on the lender and the size of the loan.
Clawback Recovery Fee
If your loan is repaid within the lender’s “clawback period” (up to 24 months from settlement), the lender may require repayment of some or all of the upfront commission. If this occurs, we may charge a Clawback Recovery Fee to recover part or all of that amount.
If your loan is fully repaid or substantially reduced within 24 months of settlement, we may require you to repay some or all of the upfront commission we received.
The amount to be repaid reduces gradually over time, starting at 100% if this occurs within the first 30 days, and decreasing on a straight‑line basis to approximately 4% by 24 months.
No commission is repayable after 24 months.
The clawback scale can be made available upon request.
Dosh Advisers get paid the same no matter which lender you end up with, and they don’t receive any incentive to put one provider or product in front of another.
Our promise is to always provide the best possible solution and put our clients' interests first.
From time to time, we may have a direct or indirect relationship with the buyer or seller of a property, and this will be disclosed to you.
How we manage a conflict of interest
We maintain a register of conflicts of interest. This register is maintained and disclosure guidance provided to advisers as required. Where there is potential for a conflict of interest you can expect this to be properly and fully disclosed to you.
Our internal complaints process
We want to give you the best experience possible. If we’ve let you down in any way, please let us know and we’ll do our best to make things right.
For a complaint about a home loan or dealing with an adviser:
Our external complaints process
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. This service will cost you nothing and will help us resolve any disagreements.
You can contact FSCL at:
Your privacy matters to us. Please review our Privacy Policy at https://dosh.nz/privacy-policy for information about how we collect, use, store, and disclose personal information.
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