Saad Hababa - East Gate Limited

Region & Expertise: Mortgage Advisers, Auckland Mortgage Advisers, Auckland Insurance Advisers

Mortgage Adviser

"I would like the opportunity to show you that I can be part of your expanding horizons and share in your vision for success."

Saad Hababa is an experienced and knowledgeable mortgage adviser. Along with 6 years’ experience as a Mobile Mortgage Manager at ANZ/National Bank, Saad worked as a Senior Broker Relationship Manager at National Bank for 5 years, and as Senior Lending Officer at GE/Wizard Home Loans for 3 years.

Based out of the Harcourts Takapuna offices in Auckland, Saad provides advice around mortgage lending with an emphasis on organising and streamlining his clients’ finances.

“If you are time-poor and looking to purchase a property or thinking about refinancing your existing home, I am here to help. As a mortgage adviser, I’ll go through your financial options with you and help you decide on the best course of action.”

Through his own experience in the retail banking industry, Saad understands the need for a customer-centric service and a solid knowledge of lending criteria.

“I work with a range of New Zealand's leading Banks and Finance Companies, so I can help you find a loan that's structured with your unique needs in minds.”

“It’s important to regularly review your financial position and make any changes needed to align them with your changing lifestyle. I can assist you with all of your financial planning and am available to discuss your financial requirements at your convenience.”


Important information about East Gate Limited FSP 721991

My advice is provided through my company East Gate 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.

East Gate Limited FSP 721991 is authorised by that licence to provide financial advice service.

Our contact details are:

Address: 128 Hurstmere Road Takapuna Auckland 0622

Telephone: 0800 226 226



We provide financial advice on Residential and Personal loan products and Personal risk insurance products

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 residential and personal 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

ASAP Finance Limited

FICO Finance Ltd

Plus Finance Limited

ASB Bank Limited              

First Mortgage Managers Limited

Property Funding Securities Ltd

Avanti Finance Limited      

Funding Partners Limited

Resimac Financial Securities Limited

Bank of China (New Zealand ) Ltd

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 Ltd

Westpac New Zealand Limited          

Credit Union Baywide

Oxford Finance Limited

Wroxton Finance Limited


Personal risk insurance products

We, through our advisers, provide financial advice service about personal risk insurance products (e.g., life insurance, income protection insurance, mortgage protection insurance, total and permanent disability insurance, trauma or critical health insurance, and medical or health insurance) only from the following providers:

AIA Services New Zealand Limited

Asteron Life Limited                

Cigna Life Insurance New Zealand Limited          

Fidelity Life Assurance Company Limited

nib nz limited

Partners Life 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);
  3. General Insurance products.

You will need to consult appropriate specialists if you would like advice on the above products.

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 / cancels a personal risk insurance product policy within 24 months from the date the policy is put in place.

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

Residential and personal loan products
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 East Gate Limited.

Personal risk insurance products
We and Astute will receive commission from the insurance companies who provide personal risk insurance products. If you decide to take out a personal risk insurance policy, then the insurance company will pay commission based on the premium that you pay.

Our adviser takes drawings from East Gate 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 works 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
  • Write to David Gopperth, General Manager, 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.