Public Disclosure Statement

Vive Financial Advisers will generally not charge you a fee if you decide to take a loan or insurance that pays Vive Financial Advisers commissions.  

However, Vive Financial Advisers may charge a fee in the situations below: 

Lending Advice: 

Vive Financial Services Limited is usually paid commission by the Lender for implementing your loan.

However, we may charge a fee in the following circumstances: 

• Strategy Workshop Fees:  Vive Financial Services Limited will charge a fee for our strategy sessions where we provide a road map to implement our lending advice.  

  This fee is between $150 - $500 and can be refunded if our financial advice is implemented within 12-months. 

• Cancellation/ Refinance: Vive Financial Services Limited may charge you for the lending advice that we provide if you cancel or refinance your mortgage within the first two years of inception. We will use the following formula to calculate the fee:  

  Cancellation fee = $2,500 for 10 hours of work calculated at $250 per hour. 

• No commission payable: Vive Financial Services Limited may charge a fee in any circumstance/ situation where a commission is not payable by the Lender. The amount payable for the above will be charged at: 

  $250 per hour (minimum of two-hours). 

  
We will invoice you for the fees charged in the scenarios above as it occurs.  

 The invoice is payable seven days after we send the invoice. Details of how to make payment will be included in the invoice. Flexible payment plans are available on request.  
  
Vive Financial Services Limited will communicate any fee’s payable before financial advice is given so you can make an informed choice before proceeding with our lending advice. 

 Life, Health and Disability Insurance 

Vive Financial Services Limited is usually paid commission by the insurance provider for implementing your insurance policy in place. However, we may charge a fee in the following circumstances: 
 

• Policy cancellation:  Vive Financial Services Limited may charge you for the insurance advice that we provide if you cancel your insurance policy two years of inception. We will use the following formula to calculate the fee:  

  Cancellation fee = $2,500 for 10 hours of work calculated at $250 per hour. 

• No commission payable: Vive Financial Services Limited may charge a fee in any circumstance/ situation where a commission is not payable by the Insurer. The amount payable for the above will be charged at: 

  $250 per hour (minimum of two-hours). 

• Policy transfer Fees: Vive Financial Services Limited may charge a one-off transfer fee you want to transfer your existing policy to us to manage. 

  This fee will be POA and will be communicated before providing insurance advice. 

We will invoice you for the fees charged in the scenarios above as it occurs.   

The invoice is payable seven days after we send the invoice. Details of how to make payment will be included in the invoice. Flexible payment plans are available on request.   
   
Vive Financial Services Limited will communicate any fee’s payable before financial advice is given so you can make an informed choice before proceeding with our insurance advice.