Introducing Scott & James
Scott: Helping you get the home you deserve with lending that works for you
Scott started Better Borrowing to help people get lending that is right for them, ensure it is structured the right way, and have a great experience throughout. Scott is a qualified Financial Advisor (aka Mortgage Broker) with an education in Economics, and a background in business banking & management consulting. Mid-career he left banking to pursue making a difference in the public sector. After transforming systems and organisations, he discovered his real passion was in helping individuals and returned to the financial sector to work directly with you.
Scott can help you with home loans, almost anything lending related, and KiwiSaver, for personal insurance he can help get the process started then hand over to James.
James: Helping you protect your family and your future
James is a family man and a financial adviser passionate about helping families secure their futures. Specialising in Life and medical cover, his priority is to ensure that individuals and their loved ones are protected financially against life’s uncertainties. James’s expertise lies in simplifying complex financial decisions, allowing his clients peace of mind and confidence in their insurance choices. James provides personalised advice tailored to match your personal and financial situation.
James can help you with your Insurances and KiwiSaver, for home loans and other lending he can help get the process started then hand over to Scott.
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.
★★★★★
James was very friendly and helpful
James was very friendly and helpful, and really went out of his way to get our new insurance policies set up. He explained everything clearly, gave us a good range of options without any pressure, and was flexible with meeting times to suit our schedule. We felt very comfortable working with him and would happily recommend his services.
★★★★★
James was like dealing with a family friend
We have set up life insurance, trauma cover, medical insurance, etc. Dealing with James was like dealing with a family friend. Very understanding and actually listening to our needs. Overall excellence experience!
★★★★★
Disclosure
Licensing information
Better Borrowing Limited is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number is FSP286965.
Contact Details
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
Nature and Scope of financial advice services
We provide advice to our clients about and home loans, and other lending products (Scott). Along with Personal Insurance advice, included Life, Health, Trauma, Income protection, and related products (James). We also provide KiwiSaver advice.
We can 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, Southern Cross, and The Co-operative Bank.
AIA, Asteron Life, Chubb, NIB, and Partners Life.
Booster, Generate, & Milford
Commission
For lending 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. For insurance it is bases on an upfront percentage based on your annual premiums along with an ongoing percentage of the policy premiums for each year the policy is in force. Kiwi-saver providers may pay us an upfront fee, along with an ongoing percentage (generally 0.2 or 0.25%) of your account balance.
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 and insurers, we will put your interests first when working on your financial needs. From time to time we may receive non-monetary, such as events, training, software, or conference subsidies from product providers.
If there are any specific conflicts of interest 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
We do not charge you fee’s for work related to residential lending with banks, personal insurance, or in relation to KiwiSaver..
For any other work the fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable. The fees charged for our advice and services may be based on a combination of: A set dollar amount; and/or a percentage-based fee.
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 two working days. 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 resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs.
FSCL’s role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).
FSCL’s contact details are:
www.fscl.org.nz
0800 347 257
complaints@fscl.org.nz
FSCL, PO Box 5967, Wellington 6140
Privacy Policy (opens as PDF)
Have additional questions?
Just give Scott or James a call.