Disclosure Statement

 

All Mortgages and More Advisors are full members of Kepa (www.kepa.org.nz/) and our business complies with the institutes Membership Rules and Code of Ethics and Standards.

Kepa is a self regulatory body dedicated to ensuring high ethical standards and professionalism within its members for the protection of lenders and clients.

Mortgages and More as a member of Kepa have a formal complaints process for the protection of clients. Complaints must be made in writing to;Kepa, Private Bag 33-764, Takapuna, Auckland www.kepa.org.nz

Professional indemnity insurance

We have $2 million of PI cover (maximum cover of $1 million per claim). In proven cases, this protects my clients from financial loss due to fraud, gross negligence, gross misrepresentation, etc, (if perpetrated by me). This policy is held with Vero.

How we’re paid

Mortgages and More is paid a single upfront commission (percentage of the loan facility or insurance premium), an ongoing (trail) commission (percentage of the loan facility or insurance premium), or a mix of both. Mortgages and More may charge a one-off fee for work completed for clients which does not attract a broker payment from the lender. This charge, if applied, will be agreed in advance with you before any work is started.

Privacy

All discussions and information shared with Mortgages and More are subject to the Privacy Act 1993. You are entitled to access any information from your file upon request. A detailed description of the authorised use of the information you supply is covered in the Authority & Declaration you sign with each application you make with us.

Legal and accounting issues

Any discussions on legal and accounting issues do not replace advice from professionally qualified specialist advisers (solicitors and accountants). We recommend that you obtain such independent and specialist advice.

 

Full Disclosure Statemen

To obtain a copy of our full disclosure Statement please email the office at : [email protected]