Di Dunn - Di-Excell Limited

Region & Expertise: Mortgage Advisers, Hamilton, Waikato Mortgage Advisers

Mortgage Adviser

  • di@mx.co.nz
  • Mobile 021 926 331
  • Freephone 0800 226 226
  • Phone 07 834 0601
  • Fax 07 834 0602
  • 562 Anglesea Street, Hamilton
  • PO Box 9457 Hamilton, Waikato Mail Centre
  • Regions available: Hamilton, Waikato

    Important Information - Click Here

"I get immense satisfaction in finding solutions for my clients needs and seeing them achieve their dreams and goals."

Di has worked in the banking and finance industry all her working life and has been operating her own business as a mortgage adviser for the past ten years.

Integrity and a can do attitude are the No 1 guiding principles in her business and personal dealings and she get’s immense satisfaction in finding solutions for her clients financial needs and as a result seeing them achieve their goals.

"I understand that dealing with a bank can be very stressful for some people and I can remove this stress for my clients because I speak “the bank speak”, do all the form filling and understand what information the Banks need. I focus on the solution for my clients, keeping the application process as seamless as possible."

"I also know that every person is different and they don’t necessarily tick all the boxes on a finance application form. I am able to quickly understand the needs of my clients, think outside the square and use my experience and extensive knowledge to find a solution for them."

As well as providing home loan solutions she is also able to assist businesses with their finance and cash flow requirements.

During her banking career and now as a Mortgage & Insurance Adviser, Di has worked with a wide variety of businesses including property investors and developers.

 

Important information about Di-Excell Limited FSP 720453

My advice is provided through my company Di-Excell 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.

Di-Excell Limited FSP 720453 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:           562 Anglesea Street, Hamilton Central, Hamilton, 3204, New Zealand

Telephone:       07 8340601

Email:                Di@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 Di-Excell 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:

"We really appreciate your efforts and hard work for us. You have been someone that has helped hugely to make this dream of ours come true. It is great to be able to pick up the phone or text even on a Saturday morning and be talking to someone who shows an interest in their clients and works out the best option possible with no hidden agendas. We would not hesitate to recommend you to any of our friends."

Ang and Marcus

"Thank you for helping and making our dream come true. You made the “impossible” possible!! We love our home and feel grateful to have all the support and assistance from you."

Manju and Trevor

"Thanks to Di and the rest of the friendly team at Mortgage Express Waikato for making the arrangement of the mortgage hassle free and saving me time going to all the banks searching for the best rate. Di really went the extra mile making sure there were no delays with settlement date. I would recommend anyone wanting a Mortgage see Mortgage Express first."

Thanks again, Dave Logie Hamilton Electrical and Data Services

"Thank you so much for all your help, the whole process was so hard before we met with you and I honestly think if we hadn’t had worked with you we would not be starting our life together in our new home now. Both Nik and I are so appreciative of all the work you have done for us."

Kim & Nik

"Thanks Di. You've been amazing made everything so much easier. Toby and I couldn't be happier."

Toby & Jacqui

"Thank you very much for doing a great job for me, you are life saver. I am glad i chose you as my mortgage adviser."

Abdullah

"Hi Di and Team, just a short note to say Thank You, for what you and your team have done to help me acquire my first home. I moved in last Thursday and it feels surreal to be living in MY own home. Your team were very friendly to deal with and efficient as well wanting the best outcome for me."

Gesan


FSP18522. A Disclosure Statement is available on request and free of charge.