What I Do

Finlay is a Registered Financial Adviser who specialises in advice on residential property finance and personal insurance to home owners and property investors predominantly in Wellington. Finlay’s core focus is to continuously act in your best interests by providing top quality financial advice and service and become your long term Financial Adviser for mortgages and insurance.

Product Providers

Mortgage Providers

ANZ, ASB, BNZ, Liberty Home Loans, RESIMAC, Sovereign Home Loans, SBS Bank, The Co- Operative Bank, TSB and Westpac.

Insurance Providers

AMP, AIA, Asteron, and Sovereign.

Specialist Advisors

Fire and Material Damage Cover – Finlay has a referral relationship with Provincial Insurance Brokers (Provincial). In the event that Provincial arrange Insurance Cover then Provincial will pay Finlay a referral fee at its own discretion. The referral fee is paid from the brokerage paid by the insurer and does not increase the cost of your premiums.

Legal and Accounting – Finlay will make you aware of legal and accounting matters that may require your further attention, and it is strongly recommended that you seek advice from a professionally qualified specialist adviser in respect to such matters.

 

Memberships, Partnerships & Professional Insurance

PAA – Finlay holds a current accreditation as a full member of the Professional Advisers Association (PAA) and the business complies with the Association’s Membership Rules and Code of Ethics and Standards. For more information visit www.paa.co.nz

Professional Insurance – Finlay has professional indemnity cover for your ultimate protection. The maximum cover is $2 million per claim. In proven cases, this protects Finlay’s clients from financial loss due to fraud, gross negligence, gross misrepresentation, etc. (if perpetrated by Finlay). The Policy is held with Lumley General Insurance (NZ) Limited and is managed by Marsh Ltd, Auckland Phone 0800 – 627 744.

 

Your Privacy

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

Original supporting documentation you supply will be copied and returned to you. The copies will be held on your file so that they can be used in any future loan applications. Surplus paper which records your personal information is shredded.

I use an Excel Loan Application form, which I complete on your behalf from the information you provide to me. I can use this form with any Lender but will not do so without your express permission. You will be supplied with a full copy of the Excel Loan Application Form plus your Loan Recommendation upon settlement of your loan/s.

 

How I Get Paid

On settlement of a mortgage or issuance of a risk insurance policy, Finlay receives commission from the above product providers. The commission is generally of an upfront nature but may also include a small renewal or trail commission. Finlay also receives a fixed rate roll over fee from some providers when re-fixing your loan.

A full schedule of all providers commission rates is available on request.

Finlay 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 using Finlay’s Client Fee Mandate before any work is started.

Up-front commission can be ‘clawed back’ by all lenders and insurers if a minimum qualification period has not been met.