Remy Cuttle - 404 Brokerage Limited

Region & Expertise: Mortgage Advisers, Manawatu Mortgage Advisers

Mortgage Adviser

"Bring a goal, have a yarn, get an outcome. Professionalism with personality. Property lending without the stress or confusion."

Remy Cuttle joined Westpac in 2017 as a customer service representative, before moving into a bank lending role within his first 12 months.

His genuine desire to make the home buying process simple and straightforward for his clients led him to choosing an adviser role at Mortgage Express.

Having experienced buying his own first home, Remy understands the challenges many first home buyers face; not knowing where to go to find the right information.

He is committed to helping his clients understand the home buying process, by providing clear and insightful assistance every step of the way.

“Before I joined the bank I went through the first home buying process and know how frustrating it is finding the right information. I am able to break down the process and walk clients through it to make it as easy and as stress free as possible.”

Along with bank lending experience, Remy has insight into property investment with knowledge gained by growing his own property portfolio.

“My time as a bank lender means I know how to present and structure client applications from the bank’s perspective to make sure it is right first time.”

Building a genuine rapport and relationship with his clients is important to Remy, and he believes that the best outcome is being able to help clients achieve the goals they’re aiming towards and that they feel more confident and knowledgeable about their lending situation.

Based in the Manawatu and servicing Palmerston North, Feilding, Whanganui and the surrounding region, Remy provides residential property lending advice for first home buyers, upsizing or downsizing, top ups, restructures, and investment properties and portfolios.

“I’ve lived in the Manawatu for 26 years. I have a wide of range of interests and am a curious person which lets me get to know my clients well. I love Formula 1 and the latest gadgets. If you don’t see me on the football field then I’m out flying a drone, in the garage covered in sawdust, or catching up with mates.”

 

Important information about 404 Brokerage Limited FSP 767332

Licence status and conditions

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

404 Brokerage Limited FSP 767332 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:          404 Kimbolton Road Feilding Feilding 4702

Telephone:      0800 226 226

Email:               remy@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 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 404 Brokerage 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.