Mortgage With Rey - Auckland Mortgage Broker and Mortgage Adviser
Legal

Adviser Disclosure

The information below is provided in accordance with the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services, so you know who you're working with before we begin.

Your Mortgage Adviser

As a Mortgage Adviser, I provide advice on residential and personal lending on behalf of Your Future Financial Limited, trading as Mortgage Express.

Adviser Name
Rey Sucgang
Address
2/5 William Ralph Road, Auckland 2582, New Zealand
FSP Number
FSP1009099

Your Future Financial Limited, trading as Mortgage Express, is authorised to provide a financial advice service under the Financial Advice Provider licence held by Astute Financial Management Limited, which commenced operations in New Zealand in 2019 and was issued its full Financial Advice Provider licence by the Financial Markets Authority on 11 October 2021. Anyone who gives regulated financial advice to retail clients in New Zealand must either hold, or operate under, a FAP licence issued by the FMA.

Financial Advice Provider
Astute Financial Management Limited
Address
7 Alpers Ave, Epsom, Auckland 1023, New Zealand
Telephone
0508 427 888

What I Can Advise On

I can provide financial advice in the following areas: Residential Lending, Personal Lending & Business Lending.

I do not provide advice in the following areas: fire and general insurances (e.g. home, contents, vehicle, boat), personal risk insurance (e.g. life, health, income protection), asset protection and estate planning (e.g. Wills, Enduring Powers of Attorney, Family Trusts), or investments including KiwiSaver.

During my advice process, I may refer to some of the above areas and offer general comments to demonstrate the importance of integrating my advice with them. These general comments do not substitute the requirement for you to seek independent advice in those areas from an appropriate specialist.

Duties & Standards

As a Mortgage Adviser, I have an obligation to always put your interests first when making a recommendation. I have duties under the Financial Markets Conduct Act 2013 relating to the way I give advice, and I am required to:

  • Give priority to your interests by taking all reasonable steps to make sure my advice isn't materially influenced by my own interests.
  • Exercise care, diligence, and skill in providing you with advice.
  • Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services.
  • Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

This is only a brief summary of the duties that I have. More information is available by contacting Your Future Financial Limited, trading as Mortgage Express, or by visiting the Financial Markets Authority website. You will be asked to sign an important document, "Acknowledgement and Declaration," when we complete your loan application — I recommend reading this before you sign it, and I'm happy to answer any questions to make sure you understand it.

Fees, Commission & Other Interests

Fees or other charges: in certain circumstances (such as if you decide not to proceed with the advice I provide, or if you repay or refinance your home loan within 28 months of settlement), I may need to charge a fee. This is to fairly compensate my time and expertise. Any fee will be discussed and agreed with you beforehand and presented in a separate document, "Client Acceptance to Adviser Fees or Charges."

Product provider commission: if you accept and act upon my advice, Your Future Financial Limited, trading as Mortgage Express, will receive a commission — between 0% and 1.5% of the loan amount drawn down, depending on the lender and loan type. We may also receive an annual commission of between 0% and 0.2% of the loan amount outstanding. No commission is received if you don't accept and act upon my advice. Exact amounts are disclosed in the advice document containing my recommendations. Our advisers are remunerated by drawings from the company.

Other interests: in addition to being a Mortgage Adviser of my company, I am also the sole director and a shareholder of Your Future Financial Limited, trading as Mortgage Express (company number 1011466).

Other incentives: from time to time, product providers may reward me and/or Your Future Financial Limited, trading as Mortgage Express, for overall business provided to them — this can include tickets to sporting events, hampers, or other non-monetary benefits.

Referrals: occasionally I may refer you to other professionals for services beyond your lending needs. I may receive a fee for these referrals to third-party providers.

Managing conflicts of interest: to ensure your interests are prioritised above my own, I follow an advice process based on your individual goals and circumstances, complete ongoing annual training on managing conflicts of interest, and am subject to periodic compliance reviews by Your Future Financial Limited, trading as Mortgage Express, and/or the lender, as well as ongoing independent compliance reviews conducted by an external consultancy firm.

Your Personal Information

To provide our services, we collect, use and share personal information about you in accordance with our Privacy Policy. Where reasonably possible, this comes directly from you — though it may sometimes come from other sources such as lenders, credit reporting agencies, or public registers, relevant to the services we provide. You may ask to access or correct your information at any time.

How to Make a Complaint

If you have a concern, problem, or complaint about any part of my service, please contact me directly:

My internal complaints process aims to address concerns swiftly. When I receive a complaint, I will consider it and let you know how I intend to resolve it — contacting you if I need further information. I aim to resolve complaints within a maximum of 40 working days; if I can't, I'll be in touch within that time to let you know more time is needed. Either way, I'll contact you by phone or email to let you know the outcome and how I propose to resolve it.

If my internal process doesn't resolve your complaint to your satisfaction, you can contact my independent, free dispute resolution scheme:

Scheme
Financial Services Complaints Limited (FSCL)
Physical Address
Level 4, Sybase House, 101 Lambton Quay, Wellington 6011
Postal Address
P O Box 5967, Wellington 6140

Lenders I Work With

Being independent means I'm not tied to a single bank — I compare across a panel of lenders to find what suits you:

  • ANZ
  • ASAP Finance
  • ASB Bank
  • Avanti Finance
  • Bank of New Zealand
  • Co-operative Bank
  • Kiwibank
  • Pallas Capital
  • Pepper Money
  • Plus Finance
  • Prospa
  • SBS
  • TSB
  • Westpac

Questions about any of this?

Get in Touch