DETAILS ABOUT ME AND MY FINANCIAL ADVISOR PROVIDER
I am a Financial Adviser. I give advice on behalf of a Financial Advice Provider. My details are set out below.
Full Name: Eunice Wallace
Address: 3/16 Loftus St Papanui, Christchurch 8053, New Zealand
Phone: 027 589 9365
FSPR Number: 24262
My Financial Advice Provider below is authorised to operate under the licence held by NZ Financial Services Group Limited
Name of Financial Advice Provider: Viva Home Loans
Trading as: Malachi Investments
We operate under a current licence issued by the Financial Markets Authority in the name of: NZ Financial Services Group Limited
FSPR Number: 286965
NATURE AND SCOPE OF ADVICE
The information below will help you understand what type of advice will be provided.
I am bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are:Meet the standards of competence, knowledge, and skill set out in the code of conduct.
- Give priority to the client’s interests.
- Exercise care, diligence, and skill.
- Meet the standards of ethical behaviour, conduct, and client care set out in the code of conduct.
SERVICES I PROVIDE
I will help you choose a loan that is suitable for your purpose from a panel of lenders (see below). Once I have chosen a lender and loan terms that are suitable for you, I will help you to obtain an approval.
BANKS AND LENDERS I USE
- Heartland Bank
- ASAP Finance Limited
- Southern Cross
- Avanti Finance
- First Mortgage Trust
- SBS Banks
- The Co-operative Bank
PRODUCTS I PROVIDE
- Home Loans
- Investment Loans
- Construction Loans
WHAT ELSE CAN I OFFER
- Tower - F&G
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. Any exceptions to this general position are explained below.
I may charge you a one-off fee if the following occurs:
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 product providers).
You will be invoiced for any one-off fee and will be given 30 days to make payment.
CONFLICTS OF INTEREST
On settlement of a mortgage I usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. I also receive a fixed rate roll over fee from some product providers if I assist in refixing your loan.
We manage these conflicts of interest by:
- Always recommending the best product for your purpose regardless of the type and amount of commission I will receive.
- Ensuring the amount of any loan is in accordance with your identified needs.
can contact my internal complaints service by phoning, or emailing me using the heading Complaint - (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. I will acknowledge receipt of this within 24 hours. I will then record your complaint in our Complaints Register and will work with you to resolve your complaint. I may want to meet with you to better understand your issues. I will provide an answer to you within 7 working days of receiving your complaint. 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. Details of this service are:
Financial Services Complaints Limited
0800 347 257