Suzanne Isherwood - CMI Financial Services Limited

Region & Expertise: Mortgage Advisers, Auckland Mortgage Advisers

Mortgage Adviser

"I believe in building a strong Relationship with my clients based on excellent Customer Service"

I believe in building a strong Relationship with my clients based on excellent Customer Service. My job is to make the lending process as smooth as possible from start to finish. I can help you arrange your first mortgage, purchase that investment property, build your own home or if you're self-employed find the best product that suits your needs, plus more. I have access to a number of lenders and you can be sure that there is one out there that will meet your needs.

I come from 15 years in retail banking, and this is a great advantage to know how the banks work. The industry is constantly changing and as a Mortgage Express Adviser we are constantly changing and keeping abreast of all these changes. I'm also fully accredited with several leading Insurance companies. In this day and age you cannot afford not to insure your loved ones and possessions. For the peace of mind I can arrange a suite of products that will protect you and your family, based on your individual needs and affordability.

Please give me a call and we can discuss your needs and take it from there. I look forward to working for you.

 

Important information about CMI Financial Services Limited FSP 718771

My advice is provided through my company CMI Financial Services 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.

CMI Financial Services Limited FSP 718771 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:           219 School Road Waimauku Auckland

Telephone:       0800 226 226

Email:                suzanne@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 CMI Financial Services 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:

Thank you so much for all your help getting this across the line on our behalf. We thought home ownership was still a ways off for us and this is all very exciting. Both Kelsey and I wouldn’t hesitate to recommend you as a broker to our friends and family. - David

"Title has gone through, Mortgage rates are updated! We’re all set. Thanks again for all your patience and hard work, couldn’t have done it without ya. Really appreciate it." ~ Seb

"I am not sure that I can really thank you enough for all the hard work you put in for Patrick and I and our finance arrangements! To say that you have been brilliant to deal with would be an understatement.
You were so incredibly understanding and kind when I asked even the most silliest of questions, and that made me feel really valued. You always responded to me so promptly (even when you were on holiday!) which goes to show how much you care about your customers. I would have no hesitation in recommending you to my friends, family and anybody else that needs to arrange bank finance. You made the process simple, straightforward and a lot less daunting than dealing directly with the bank. It was all very pain-free and that was all thanks to you!!! THANK YOU." ~ Jade 

"Thanks for all you have done for us, it’s really efficient, professional and with such a satisfactory result. Thanks for the great work!" ~ Susan, Auckland

"Hi Suzanne, Move went really well thanks, all set up and loving the new house. Thanks so much again for all your help it is always much appreciated. Hence the referrals, can't speak anymore highly of you. Thanks again," ~ Lanna 

"Hi Suzanne, Thanks for confirming. Thank you also for all your help on this matter. You made the process so smooth and seamless and it's great to know we have someone so competent that side of the globe to help us with these matters. We will be sure to be in touch again in the future. Thanks" ~ Simon and Marie

"It was the very least we could do you took so much stress out of what has been a tiring and arduous process for us over the last while. Your service and consistent follow up along with seamless correspondence has been an absolute joy! Have a great day and we will no doubt be in touch for the next one – we are still in shock and recovering from the obscene price of the property yesterday 80% over CV is madness!" ~ Verity

"Suzanne has been wonderful since I first contacted her. I had quite a journey in my quest of purchasing a house and came through some difficult financial situations. At all times I could trust Suzanne to give me good advice and get things done quickly and efficiently when I needed her to. Suzanne managed to get me the best rate possible, which I know will save me thousands in the months ahead. I recommend Suzanne to anyone who is looking to finance or refinance, and I guarantee that you will receive the best advise and support from a true professional who knows what she is doing. Suzanne, you're awesome, thanks!" ~ Nick Chandra 

"Thank you very much. Your help throughout was amazing!" ~ Tilly

"I can only speak in glowing terms about the work Suzanne did for us. Suzanne is a great communicator. She came back to me promptly with sound answers to my many questions. She made sure everything was in place and she had the full picture of our needs before we met. In this way no time was wasted and things went along quickly and smoothly. One thing we were particularly grateful for was that Suzanne helped us 'keep it real' in terms of what sort of mortgage we could manage. She never encouraged us to go beyond our means, and yet was able to secure for us the finance we needed with one of NZ's leading banks." ~ Bernie 

"Thanks again for everything, you made a very daunting process run smoothly and I really appreciated all that you did." ~ Lynda 

"Finally we got the keys yesterday after a stressful settlement. We would like to thank you for your assistance throughout the entire process.I hope you are still willing to be our adviser the next time. Your exceptional service is greatly appreciated and highly recommended." ~ Joel and Mafe

"I'm actually really excited about changing banks. Working with you will save me heaps, so I will definitely be referring friends your way.