Disclosure Statement


Sentinel Disclosure Statement – Qualifying Financial Entity

NAME:                         Sentinel Limited
TRADING NAME:        Sentinel
P O Box 33 1040,
Takapuna, AUCKLAND 0740
Level 1 87 Hurstmere Road,
Takapuna, AUCKLAND 0622

Phone: 0800 488 740
Email: enquire@sentinel.net.nz
Website: www.sentinel.net.nz

This is important information – it provides information about the product and advice that Sentinel offers and should help you to decide which financial adviser to choose.
Sentinel is a Qualifying Financial Entity (QFE) under the provisions of the Financial Advisers Act 2008, our registration number is FSP48342.  This information can be checked on the Financial Service Providers Register at www.fspr.govt.nz.  Sentinel is regulated by the Financial Markets Authority (FMA), you can obtain more information about the FMA from their website www.fma.org.nz or by calling them on 04 472 9830.
What sort of advice can a Sentinel QFE adviser provide?
Sentinel QFE advisers can give you information relating to the features and suitability of the Sentinel Lifetime Loan product.  The Lifetime Loan is a Home Equity Release mortgage and is classified as a Category 2 product under Financial Advisers Act 2008.
How are Sentinel advisers paid?
Sentinel staff are Nominated Representatives who are based in our office and will generally be in contact with you by phone, letter or email.  They do not receive any sales incentives for the completion of loans.  Sentinel also has a number of Nominated Representatives who can come out to your home.   There is no cost to you for their service; however they receive a commission from Sentinel when your loan is issued.

What to do if you have a complaint about: Sentinel, your Sentinel Lifetime Loan, or any aspect of your experience with us?

Sentinel is always striving to offer the best product and service we can to meet your needs.  If something happens that you are not entirely happy about we need to know so we can solve the problem and stop the same thing occurring in the future.

Please contact us as soon as anything occurs that you are unhappy with and we will do our best to solve the problem immediately.

If your complaint is serious and it can not be easily fixed we will ask that you provide us the details in writing, including the nature of the complaint and what you think should be done to resolve the situation.  We will notify you when we receive the complaint and then investigate all aspects of the matter before attempting to resolve all of your concerns.  We will keep you up to date with progress and advise you of any outcomes in writing.

What if I am still unhappy?

If you are not satisfied with our suggested solution Sentinel is a member of the Insurance & Savings Ombudsman’s Service of New Zealand (ISO), who act as our licensed dispute resolution service.  You can contact the ISO by;

Phone:             0800 888 202
Email:              info@ombudsman.org.nz
Post:                P O Box 10 845, Wellington 6143

Who are we?


A Tradition of Innovation, Integrity and Smart Product Solutions…

Sentinel was launched with the specific aim of bringing to New Zealanders the very best features of a retirement lifestyle enhancement concept known as the Home Equity Release Loan.

Sentinel is the founding company of Seniors Money International Ltd, a leading global provider of equity release solutions for Seniors, with operations in New Zealand, Australia, Ireland, Canada and South Africa. 

The Board of Directors of Seniors Money International Ltd and the Sentinel management team are profiled below:



Right Hon. Jenny Shipley DCNZM, FNZIM (New Zealand)  Chairman

A former Prime Minister of New Zealand, Jenny is now a director and advisory board member for a number of companies and organisations in New Zealand and elsewhere.  She retains her interest in international politics through her involvement in the Club of Madrid, a group of former Presidents and Prime Ministers of democracies.

Ian Hendry FCII APMI (New Zealand) 

Deputy Chair

Ian has an extensive background in marketing and sales in the financial services industry, working for Eagle Star Insurance Company in the UK and Hong Kong before founding Sovereign Limited with Chris Coon in 1989, where he became Managing Director.  Ian retired from Sovereign in 2002.

Stephen Gunning  BComm FCA (Ireland) 

Group Chief Executive Officer

Stephen has served as Chief Financial Officer, Managing Director and Treasurer of publicly listed and privately held corporations in Europe and the United States.  Stephen joined the group in August 2005 to found and head up our European operations.  .

Brett Wilson BCom CA (NZ)  

Group Finance Director and Company Secretary 

Brett has 20 years experience in financial services.  He spent 8 years with Sovereign as CFO and was previously CFO for Metropolitan Life.  Before joining Seniors Money International he was General Manager Finance for the ASB.   


Vaughan Underwood – MBA Chief Executive Officer

Vaughan was formerly CEO of AXA New Zealand, Sterling Grace Portfolio Management Ltd (part of Spicers) and Emerald Group (Food Division) before joining Sentinel in January 2007.   

Garry Bishop – BCom BSc Operations Director

Garry’s background is in the areas of Finance, Maths and Computer Systems.  He has spent the last 15 years in the financial services and insurance industry working in both operational and information technology areas.  Garry started with Sentinel in September 2003, six months prior to the company’s official launch.    


Financial Independence in retirement – now there’s a Reason to Smile.

Imagine being able to release some of the value you’ve built up in your home without having to move.  Just thinking about it has probably brought a smile to your face.

Rather than just dream about the possibility, if you (and your partner) are aged 60 or over and own your own home, the Sentinel Lifetime Loan could open the door to a whole new lease on life.

Inside our website, you’ll find information all about the Sentinel Lifetime Loan and how it works; client stories, and much more.  There’s also a calculator to show you how much you can borrow and how your loan and the equity in your home may change over time.

So why not take your time and browse through the website to find out more, or contact the Sentinel team on 0800 488 740 – we’re always happy to help.

Due to the global financial environment and restricted access to funds Sentinel has temporarily stopped accepting new loan applications, existing clients with Express Top-up facilities are unaffected.