Mortgage Adviser

• kylie.borrie@mx.co.nz
• Mobile: 027 3422725
• Freephone: 0800 226 226
• Regions available: Opotiki, Bay of Plenty
  
  Important Information - Click Here

"I genuinely share in your excitement in fulfilling your property goals"

Kylie Borrie is passionate about helping people achieve their property goals.

As a Mortgage Express branded mortgage adviser, Kylie works with first home buyers, existing property owners, and property investors, providing them with tailored financial solutions to help them buy property.

Having worked at ANZ for 22 years, 13 of those in a home lending role, Kylie is well-placed to provide mortgage advice, drawing on her expertise and years of experience.

“I am aware of the emotions people have when it comes to borrowing money. It can be daunting, so I offer a warm, friendly, knowledgeable service to set you at ease. I genuinely share in your excitement in fulfilling your property goals.”

For Kylie, the most rewarding part of her role is sharing in the joy of her clients’ home ownership journey.

“There is a real joy that comes from helping someone into their first home, then sharing the journey as their life changes – renovations, family additions, then needing that bigger car!”

Outside of work, Kylie enjoys spending time with family and lives in the Eastern Bay of Plenty.

“The Eastern Bay of Plenty has always been my home, it’s where my family all live. Because of this, I have a vested interest in our community’s success. I bring years of experience with me and have the ability through my role as a mortgage adviser to offer a wide range of lenders to match your needs.”

• • • 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.Important information about Eastern Bay Financial Solutions Limited FSP 1002763

      Licence status and conditions

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

      Eastern Bay Financial Solutions Limited FSP 1002763 is authorised by that licence to provide financial advice service.

      Our contact details are:

      Address:           6 Petersen Place, Opotiki 3122

      Telephone:       027 3422725

      Email:               kylie.borrie@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	DBR 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:

      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 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 Eastern Bay Financial Solutions 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 Mortgage Express Head Office on 0800 226226 between the hours of 8:30 am - 5 pm week days
      • Email complaints@mx.co.nz
      • Write to Mortgage Express Head Office, 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: