Mortgage Adviser

• treveen@mx.co.nz
  
• Mobile: 021 1814756
• Freephone: 0800 226 226
• Regions available: Auckland
  
  Important Information - Click Here

“Passionate about helping people turn their dreams of home ownership into reality. Helping people get onto the property market is an opportunity for me to make a difference in someone’s life.”

As a Mortgage Express branded mortgage adviser, Treveen Morgan is passionate about making a difference in people’s lives, helping them achieve their home ownership goals.

Prior to joining Mortgage Express, Treveen was a Loans Officer at New Zealand Home Loans for 3 years, where her responsibilities included assisting clients up to loan settlement, restructures, refixes, debt consolidation, and top-ups.

“Building a genuine rapport and relationship with my clients is important. By understanding their financial goals and situation, I can provide financial solutions that are suited to their needs. I’m committed to providing my clients with a realistic pathway, with consistent communication and problem solving around obstacles to reach their home ownership goals.”

Treveen’s previous experience includes 4 years in an adviser support role in the financial services industry and 7 years as a teacher. She has completed her NZCFS Level 5 Certification specialising in Residential Property Lending.

“Buying property can feel overwhelming, especially for first home buyers. That’s why I work hard to help you on your journey as a partner, making it manageable and easy to understand. No matter your situation, whether you’re buying a first home or building your property investment portfolio, I’d like to help you get there.”

Outside of work, Treveen can be found doing something creative like abstract painting, and she enjoys boxing and relaxing at the beach.

Important information about Titan Lending Ltd FSP 719791

Licence status and conditions

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

Titan Lending Ltd FSP 719791 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:           19 Chianti Close, Flat Bush, Auckland 2019

Telephone:       021 1812756

Email:                treveen@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):

Treveen Morgan does 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.

Treveen Morgan is an employee of Titan Lending Ltd.

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.