Mortgage Advice 4 U Limited T/A Mortgage Advice For You is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Our Financial Services Provider Number is FSP1007779.
Our Office contact details are:
Address: 71 Westridge Drive, Tauriko, Tauranga
Phone: 022 684 22 11
Email: Deon@mortgageadviceforyou.co.nz
Website: www.mortgageadviceforyou.co.nz
Mortgage Advice For You engages registered financial advisers to provide you advice on, Residential & Personal Loan products.
These can include the following products:
Mortgage Advice For You has a range of Product Providers, (also known as Lenders) this can change from time to time as lenders enter the market and some exit. At the time of writing we have the following Lenders:
In the majority of cases we do not charge you a fee if you decide to take a loan. The lender may pay us a commission if you decide to take up our advice and when your loan settles.
However, I may charge you for the financial advice that I provide if you cancel or refinance your mortgage within the first three (3) years after it settles. We will use the following formula to calculate the fee:
Fee for our financial advice = $2,625 for 15 hours of work calculated at $175 per hour
Or
We will invoice you for this fee and it will be payable on the 15th of the month following the cancellation of your policies. Details of how to make payment will be included on the invoice.
If you decide not to act on my advice, then I may charge you an hourly fee of $175 for the services performed. This will be based on the time it has taken to prepare my advice. The average charge for this service is $2,625 which is calculated at 15 hours x $175 per hour.
Some lenders we work with do not pay a commission and therefore we will charge a fee, this will be disclosed and agreed upfront before work commences.
Where other costs are incurred as part of the process of providing our advice i.e. Valuations, Building inspections, this is at your cost.
However, we will advise of any additional costs prior to incurring them.
We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers.
From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.
To ensure our advisers prioritise our client's interests:
We are bound by the duties of the Financial Markets Conduct Act to:
While I always try to get it right first, sometimes things are outside my control and if you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try and fix the problem.
Our internal complaints manger is Deon Johnston who can be reached via email at Deon@mortgageadviceforyou.co.nz or Phone 022 684 2211.
Our Internal complaints handling process is as follows:
We will aim to resolve your complaint within 4 weeks of its receipt and advise you in writing our proposed resolution to your complaint.
If you are not satisfied with how we addressed or resolved your complaint, you can contact the Financial Services Complaints Ltd (FSCL). They are an independent dispute resolution service that costs you nothing to use and will help us resolve any disagreements or finalise outstanding complaints.
Their contact details are: You can contact FSCL at
Phone: 0800 347 257Email: info@fscl.org.nz
Our FSCL Membership number: 9256
