- Mobile 021 539455
- Freephone 0800 226 226
- Phone 07 834 0601
- Fax 07 834 0602
- 562 Anglesea Street, Hamilton
- Regions available: Hamilton, Waikato
Important Information - Click Here
"I will be there with you each step of the way"
Carla has extensive banking and lending experience, having assisted thousands of people into buying their dream homes and investment properties.
"I am passionate about tailoring lending options that will work for you now and moving forward as your situation changes. I work hard to provide flexible solutions. I will work closely with other professionals being lawyers, solicitors and valuers to assist with a smooth process for you."
Carla is married with two kids and understands how busy your life can get so she will work in with you as to when and where to meet.
"I wish I could say buying property isn’t a stressful process but I can’t . What I can say though is that I will be there with you each step of the way to explain what is happening, and where to next, helping you through the process."
2017 Mortgage Express – Achieved $250m in career settlements (between 2010-2017)
2017 Mortgage Express Top Ten Home Loan Adviser by Settlements
Important information about FinnSoul Limited FSP 746911
Licence status and conditions
Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service.
FinnSoul Limited FSP 746911 is authorised by that licence to provide financial advice service.
Our contact details are:
Address: 562 Anglesea Street, Hamilton Central, Hamilton 3204
Telephone: 07 8340601
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
Oxford Finance Limited
AIA Services New Zealand Limited
FICO Finance Limited
Pepper New Zealand Limited
ASAP Finance Limited
First Mortgage Managers Limited
Pioneer Finance Limited
ASB Bank Limited
Funding Partners Limited
Plus Finance Limited
Avanti Finance Limited
General Finance Limited
Resimac Financial Securities Limited
Bank of China (New Zealand ) Limited
Gold Band Finance Limited
Southern Cross Finance Limited
Bank of New Zealand
Heartland Bank 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
Midlands Fund Management Limited
Wroxton Finance Limited
Cressida Capital One Limited
We do not provide financial advice service related to:
- Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
- Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description); and
- General Insurance products; and
- 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 FinnSoul 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 firstname.lastname@example.org
- 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:
Telephone: 0800 347 257 or +64 4 4723725
Address: Level 4, 101 Lambton Quay, Wellington 6011
P O Box 5967, Wellington 6140
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.
"Carla has been there every step of the way and then some…. with the purchase of my home. Not only is she the Best Mortgage Adviser, but she is a kind, compassionate and understanding person. If there is a way to help someone achieve their dreams, then Carla will be there for you. Carla doesn’t overwhelm you throughout the process, she will give you great ideas and she works really hard to provide you with flexible solutions. She is always available on phone, email or text, which keeps you well informed. Something that makes Carla a great Mortgage Adviser is that everyone likes her because she is such a good person, so when she is working with banks, finance people, lawyers etc, this makes the process really smooth. One of the things I really appreciated throughout the process was Carla’s ability to keep the process moving and that she is full of great ideas and next steps. I would highly recommend Carla to anyone who is looking to buy property as she is “simply the best”." ~ Sandra