PUBLIC DISCLOSURE STATEMENT
License Status and Conditions
THE MORTGAGE & LOAN GURU LIMITED holds a license (FSP704411), issued by the Financial Markets
Authority (FMA), to provide financial advice services.
THE MORTGAGE & LOAN GURU LIMITED (FAP) conducts its business through its Director, Jaz Bedi
(FSP624469), who is a Financial Adviser.
Jaz Bedi a Financial Adviser who specializes in providing advice and transactional solutions for clients in Home Loans and Risk Insurance. I am expert in Mortgages and Life Insurance. Whether you are looking to buy your first home or to grow your property portfolio, we are all about making it easier for you.
How we work
I work in the following manner:
PROFILE
You can rely on the Best Advice:
- Independent Expert Advice
- Best deals –Interest rates & tailored structures to save interest costs
- Risk Insurance Specialist
- Relationship & Personalized service
- First Home Byers with Low Deposit – 5 % (First Home loan- Kainga Ora)
- Refinance/ Refix
- Construction loans
ANZ BANK
BNZ BANK
ASB BANK
WESTPAC BANK
SOVEREIGN HOME LOANS
SOUTHLAND BANK SOCIETY
CO-OPERATIVE BANK
HEARTLAND BANK ( ASSET FINANCE)
AVANTI FINANCE
BASECORP, FINANCE
BLUESTONE MORTGAGES
RESIMAC HOME LOANS
ASAP FINANCE
SOUTHERN CROSS PARTNERS
FIRST MORTGAGE TRUST,
DBR PROPERTY FINANCIERS
CRESSIDA CAPITAL
OXFORD FINANCE (CAR LOANS) ETC
INSURANCE COMPANIES
AIA
CIGNA
PARTNER’S LIFE
ACCURO HEALTH INSURANCE
Duties of the Financial Markets Conduct Act to:
- Meet the standards of competence, knowledge and skill set out in the Code of Conduct
- Give priority to the clients’ interests and
- To exercise care, diligence, and skill in regard to the advice we provide and
- Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.
Scope of Service and Engagement
Clawback Recovery fee
· The property is refinanced within the clawback period and TMLGURU was not given the opportunity to arrange the Refinance.
· The property is sold and the loan is repaid within the clawback period.
INSURANCE CLAW BACK
Admin fees – Change of Broker after approval
Service fees for Private lenders/ Non-Bank Lenders
If we are applying through a private lender/2nd Tier lenders we can charge the 1% Brokerage fees of the loan amount. We may reduce our fees for existing clients.
Your Obligations
Privacy Act
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- It is understood that any information gathered for this needs analysis is personal and I undertake to keep this information confidential and secure.
- The Privacy Act 2020 gives you the right to request access to and correction of your personal information.
- Information provided by you and or any authorized 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.
DISPUTE RESOLUTION OR DISATISFACTION
- By logging into the Trail client portal and pressing on the “Make a Complaint” button on the bottom right of the page.
- By contacting me directly
- By sending an email to JAZ BEDI on [email protected]
- By logging into the Trail client portal and pressing on the “Make a Complaint” button on the bottom right of the page.
- By contacting me directly
- By sending an email to JAZ BEDI on [email protected]
- Inform you how we will address the complaint
- Gather any information that will help us resolve the complaint
- Aim to resolve the complaint within 10 working days.
- If we cannot resolve the complaint within this timeframe, we will update you regarding the next steps.