Nigel Maskery - 2gether Financial NZ Limited

Region & Expertise: Mortgage Advisers, New Plymouth Mortgage Advisers, Taranaki

Mortgage Adviser

“Working together to help make the home loan process as simple as possible.”

Nigel Maskery is a skilled business advisor, business manager and a qualified financial adviser. He has over 10 years’ finance industry experience across New Zealand, Australia and the United Kingdom.

Based in (but not limited to) New Plymouth, Nigel provides: 

  • Unbiased and reliable advice
  • Access to a wide range of lenders
  • Assistance through the full home buying process
  • Guidance on choosing the right home loan
  • Professional management of the home loan application

As the adviser, my role in the home buying process is not just about getting an approval for my clients, but helping them understand how to be in charge of their finances, the importance of managing debt, and providing support to achieve their financial goals.”

Nigel is passionate about helping his clients feel confident in the home buying process, turning jargon and complicated processes into plain language and ensuring a stress-free experience.

I am committed to providing a comprehensive service with a focus on clients’ specific needs. Whether the client has a good credit rating, historical bad credit, difficulty being able to provide evidence of income, or just doesn’t fit the bank’s credit policy, I will work to find a solution for my clients.”

Outside of work, Nigel loves to go fishing and has a keen interest in agriculture. He enjoys relaxing with family and friends, eating good food and drinking good coffee!

 

      • Important information about 2gether Financial NZ Limited FSP 1001963

        Licence status and conditions

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

        2gether Financial NZ Limited FSP 1001963 is authorised by that licence to provide financial advice service.

        Our contact details are:

        Address:           9 Tainui St, Welborn, New Plymouth 4312

        Telephone:      021 2438437

        Email:               nigel@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

        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 2gether Financial NZ 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:

        • 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.