I can give you advice about category 2 financial products such as Business Loans, Asset, Equipment and Plant finance as well as Commercial and Residential Mortgages. I specialise in sourcing a range of funding options for businesses and retail customers by understanding their requirements and then negotiating on their behalf with multiple financiers.
We get to know you, and ensure you know what we do and how we do it. We’ll talk about what you are trying to do, your goals and ambitions, and whether we can help you.
We’ll gather information from you including family details, income and assets and other financial information.
We’ll research the market and ensure our recommendation is the most competitive solution for you, and best suits your needs.
We’ll work with you and the lender, and do the legwork to get you preapproved.
Congratulations! This is what we live for. Now you know what you can afford and have the thumbs up from your lender for what you need, when you need it. We’ll confirm the details with you. We will also see if we can help you get protection for your home and loved ones should anything go wrong.
We’ll also be there for you during the settlement process to keep an eye on it all and let you know everything has gone smoothly. This is just the beginning of our partnership. It’s my ambition to help your financial future thrive. I’ll be in regular contact with you to check in and review any changes to your situation.
I have 20 years banking experience with such roles as Head of Business and Commercial, National Manager of Retail and National Manager of Business Banking.
NZ Certificate in Financial Services Level 5
Member of Financial Services Complaints Ltd
I will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders. Once we have chosen a lender and loan terms that are suitable for you, I will help you to obtain an Approval.
I provide financial advice on Home Loans, Commercial Property Loans, Business Loans and Asset Finance.
Generally, I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender. Any exceptions to this general position are explained below. If these exceptions will apply to you, I will let you know.
I may charge you a one-off fee if the following occurs:
a) When I don't receive commission from the lender: If you request that I provide financial advice and I do not receive a commission from the lender, I may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice.
This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my approved lenders.
b) When I have to repay commission to the lender: In the event that, in the 28 month period following drawdown of your loan, your loan is fully or partially repaid or the terms materially changed, and a lender requires that I repay the applicable commission to them, we may charge you a one-off fee. Any such fee would be no more than $2,500 (plus GST, if any) and would be calculated based on a rate of$250 (plus GST, if any) per hour of my time spent providing financial advice to you in connection with the applicable loan.
The fee I charge you will not exceed the amount of commission I have to repay to the lender. You will be invoiced for any one-off fee and will be given 30 days to make payment.
On settlement of a loan, I usually receive a commission payment from the applicable lender.
The commission is generally of an upfront commission payment, but I may also receive an ongoing trail commission payment. The upfront commission is calculated as a percentage of the loan at drawdown.
A trail commission is calculated as a percentage of the loan outstanding at the relevant time.
I may also receive a fixed rate roll over fee from the applicable lender if I assist in refixing your loan.
The maximum percentage that each lender uses to calculate upfront and trail commissions, and the maximum fixed rate roll over fees (refix fees), are set out in the table below. If there are any variations to these percentages or other commission payments that may apply, specific to your loan application, I will disclose this to you as part of my advice process.
I may also receive a referral fee or commission payment if I refer you to our referral partners listed above. I will give you more information about how that referral fee or commission is calculated, before proceeding.
From time to time, I may receive incentives or rewards from lenders. For example, they may provide me with gifts, tickets to events or other incentives.
I manage the conflicts of interest arising from these commission payments by:
Any advice or product implementation provided as a result of this needs analysis can only be as good as the information received from you, so I ask that you provide me with the information I request. Without relevant and correct information about your personal and financial situation I run the risk of giving advice that is not appropriate for your needs. If you are unsure as to why I need certain information, please ask so that I can explain.
1. It is understood that any information gathered for this needs analysis is personal and I undertake to keep this information confidential and secure.
2. The Privacy Act 2020 gives you the right to request access to and correction of, your personal information.
3. Information provided by you and or any authorised agent will be used by me and any members of my staff for the purpose of providing advice to you and may also be used by any:
a) product or service provider when implementing any of my/our recommendations or variations thereof;
b) compliance advisers, assessors or by any claims investigators who may need access to such information; and
c) other professionals such as solicitors, accountants, finance brokers, financial planners when such services are required to complement this advice and as requested by you.
4. The information will be held by me / us at:
Suite 1/4/, 72 Dominion Road,
Mt Eden, Auckland 1024