Helping you get the home you deserve with lending that works for you
Whether you are looking to buy your first home, your next home, refinance, or free up funds for renovations – we would love to help. We provide Mortgage Broker services to find the right loan products and providers for you, without charging you fees. Based in North West Auckland and able to work with clients all over New Zealand online.
Testimonials
Scott was incredible!
Scott was incredible! He had the time and patience to go through everything on a relatable level and worked his absolute hardest on getting an incredible lending result over the line. Would recommend Better Borrowing to anybody in any circumstance and will certainly be back to use Scott’s services again when necessary. Thanks heaps Scott for kickstarting the next chapter.
★★★★★
Scott was a an absolute pleasure to work with
Scott was a an absolute pleasure to work with. He made us feel comfortable with the new amount we would be paying every week even with the high interest rates it was a significant jump but he fought the bank for a better rate!! Highly recommend him to anyone looking to refinance or buying a new home.
★★★★★
Thank you so much
Thank you so much for all your efforts Scott… Couldn’t have done this without you… Your perseverance and your friendly advice really paid off and helped us get our dream home …one that we had thought was out of our reach…. I’ll definitely recommend you to my friends and other contacts…Will book a time to catch up once we are settled in 😊🙏
★★★★★
Scott was amazing
Scott was amazing to work with. He provided invaluable information and advice that helped reduce my mortgage repayments. He is very personable and willing to go the extra mile. I highly recommend his services and anytime I hear of someone who needs a broker I sing his praises. He’s 100% the best broker I’ve dealt with.
★★★★★
Disclosure
Licensing information
Better Borrowing Limited is is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number is FSP286965.
Nature and Scope of financial advice services
We provide advice to our clients about and home loans, and other lending products. We can also work with a range of referral partners to help meet your other financial requirements.
Our advice and Product Providers
We only provide advice about products from certain providers, these include: ANZ, BNZ, ASB, Westpac, TSB, SBS, AIA, Avanti Finance, Cressida, DBR, First Mortgage Trust, Pepper Money, Liberty Financial, NZCU, RESIMAC, , SELECT, Southern Cross, and The Co-operative Bank.
Commission
Commissions may be paid by the product provider as an initial commissions based on a percentage of the value of your loan, and/or and ongoing commission based on a percentage of the value of your outstanding loan amounts.
Conflicts of Interest
We are here for you and will do the best that we can for you. Although we will receive payment in most cases from the financiers, we will put your interests first when working on your financial needs. If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser’s Disclosure Guide
Our duties and obligations to you
Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are:
– Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.
– Give priority to your interests.
– Exercise care, diligence, and skill.
Fees and expenses
Generally I won’t charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender .
One-off fees
I may charge you a one-off fee when I don’t receive commission from the lender: If you request that I provide financial advice and I do not receive a commission from the lender, I may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice.This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my approved lenders.
Complaints
If you have a problem, concern, or complaint about any part of my service, please tell us so we can try to fix the problem. You may contact us by telephoning 020 4009 8944, by emailing us at scott@betterborrowing.co.nz, or in writing to 20 Vogwill Road, Huapai, Auckland 0810. Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we’ll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you.
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – Financial Services Complaints Limited. This service is no cost to you. You can contact Financial Services Complaints Limited at:
Post: PO Box 4967 – Wellington 6140
Phone number: 0800 347 257
Email address: complaints@fscl.org.nz
Have additional questions?
Just give me call.