Ashlee Wiblin - A.Wiblin Advisory Limited

Region & Expertise: Mortgage Advisers, Marlborough Mortgage Advisers

Mortgage Adviser

 

 

“Home loans made easy with Ashlee Wiblin”

It’s true what they say, that money doesn’t make the world go around. But when it comes to reaching life goals, it certainly helps.

As an experienced Mortgage Adviser, nothing brings me more pleasure than to be able to help my clients buy a first home, or a rental property.

Often, people put off making major life moves such as buying their first home as it seems too difficult or out of reach, I’m here to help make those steps easier.

I have a good understanding of the Real Estate market in New Zealand and keep myself up to date with national and international events that may impact the Real Estate market in New Zealand, and the changing requirements of various lenders in response to these events.

It’s an absolute honour to be able to facilitate a seamless process in securing finance for my clients and to see them reach amazing milestones as a result.

I believe in building strong relationships which not only ensure I secure ideal solutions for my clients, but which go beyond the home buying process.

If you looking to borrow for buying your first home or an investment property, get in touch to find out how I can help.

 

Important information about A. Wiblin Advisory Limited FSP 721211

My advice is provided through my company A. Wiblin Advisory Limited that trades using the Mortgage Express brand owned by Mortgage Express Limited (MX).

MX is engaged in the business of supporting financial advisers to access financial products, and to market and promote, their finance, mortgage and insurance broking and facilitation services.

Licence status and conditions

Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service.

A.Wiblin Advisory Limited FSP 721211 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:           1 Scott Street, Blenheim, 7201,New Zealand

Telephone:        0800 226 226

Email:                 ashlee@mx.co.nz

We provide financial advice on Mortgage Products and Consumer Credit Contracts.

We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us.

 

Nature and scope of financial advice service

We engage financial advisers to provide financial advice on the following financial products:

 

Residential and personal loan products
We, through our advisers, provide financial advice service about loan products only from the following providers (also known as lenders):

 

ANZ Bank New Zealand Limited          

Cressida Capital One Limited

Pepper New Zealand Limited

AIA Services New Zealand Limited

DBR Limited

Pioneer Finance Limited

ASAP Finance Limited

FICO Finance Limited

Plus Finance Limited

ASB Bank Limited              

First Mortgage Managers Limited

Property Funding Securities Limited

Avanti Finance Limited      

Funding Partners Limited

Resimac Financial Securities Limited

Bank of China (New Zealand ) Limited

General Finance Limited

Southern Cross Finance Limited

Bank of New Zealand

Gold Band Finance Limited

Southland Building Society

Basecorp Finance Limited

Industrial and Commercial Bank of China (New Zealand) Limited

The Co-operative Bank Limited

Bluestone Mortgages NZ Limited

Liberty Financial Limited

TSB Bank Limited

China Construction Bank (New Zealand) Limited

Metro Finance Limited

Westpac New Zealand Limited          

Credit Union Baywide

Oxford Finance Limited

Wroxton Finance Limited

 

We do not provide financial advice service related to:

  1. Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
  2. Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description); and
  3. General Insurance products; and
  4. Personal Risk Insurance products.

You will need to consult appropriate specialists if you would like advice on the products above.

Fees, expenses, or other amounts payable

In the majority of cases we do not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. Our remuneration is paid by the product providers by way of commission.

However, we may charge a fee for the financial advice service provided to a client where a client repays a residential home loan within a defined time up to 28 months from the date it is drawn down.

Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client.

Conflicts of interest and commissions or other incentives

We and Astute will receive commission from the lenders who provide residential and personal loan products. If you decide to take out a residential or personal loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders.

Our adviser takes drawings from A. Wiblin Advisory Limited.

From time to time, various product providers (described previously) may also reward us and/or Astute for the overall business provided to them. They may give tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made based on the client’s personal goals and circumstances. All our financial advisers undergo annual professional development refresher training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives received.

Complaints handling and dispute resolution

We take all complaints seriously and work to resolve them as quickly as possible.

If you are unhappy with our financial advice service, and wish to make a complaint, please contact your financial adviser so he or she can try to put things right.

If you do not feel comfortable discussing your concerns with your adviser, you can:

  • Call David Gopperth, General Manager, Mortgage Express on 027 3489248 between the hours of 8:30 am - 5 pm week days
  • Email complaints@mx.co.nz
  • Write to David Gopperth at Mortgage Express, PO Box 9268, Newmarket, Auckland 1023.

 How your Complaint will be handled

We will deal with your complaint using our internal complaints handling process. Accordingly,

  • We will investigate your complaint by analysing the information you provided us; and

  • We may contact you to get additional information about your complaint.

We aim to resolve your complaint within 40 days of its receipt and advise you, in writing, our proposed resolution to your complaint.

If we cannot resolve your complaint within 40 days of receipt (or any additional time you have given us thereafter, at our request) you can contact the Financial Services Complaints Ltd (FSCL).

FSCL provides an independent external dispute resolution service to consumers with complaints about their financial service providers. This service will cost you nothing and will help us to investigate or resolve your complaint if it is not resolved to your satisfaction using our internal complaints process.

You can contact the FSCL Scheme at:

Email:                                complaints@fscl.org.nz

Website:                            www.fscl.org.nz

Telephone:                         0800 347 257 or +64 4 4723725

Address:                             Level 4, 101 Lambton Quay, Wellington 6011

                                            P O Box 5967, Wellington 6140

Duties

We, Astute and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to:

  • meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and
  • give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and
  • exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and
  • meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice.

Client Testimonials:

I can highly recommend Ashlee Wiblin Mortgage Broker to anyone looking at buying a new home or for anything mortgage related in general. We purchased our 1st home in August this year and I don’t know where we would have been without Ashlee. She was always on the ball making sure everything was in order and answered so many of my... probably stupid questions. Nothing was ever a problem. She took care of all of the paper work, the banks and the lawyers to get us to where we are today. So thank you Ashlee! You’re a star!

N & E 04/12/19

A couple of sentences do not do justice the amount of hours Ashlee put in to ensure we were able to purchase our first home. Ashlee was with us every step of the way and was there for us around the clock. Ashlee is knowledgeable, efficient and definitely went the extra mile for us, therefore we have no hesitation in recommending her to any one in need of a mortgage advise.

K & C 24/10/19

Ashlee sacrificed her time to ensure my family were in our dream home! Ashlee is truly one of Marlborough's finest Mortgage Advisers!

Y 19/02/20

Based in Marlborough, Ashlee provides Mortgage Advice for fixed rates, variable rates, revolving credit, Low Doc / No Doc – as well as assistance with bridging finance, reverse mortgages and construction loans, home loan packages and personal loans.