Disclosures.

Important information about our business

Birdie Financial Limited is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number is 1005539

Our office contact details:

Address: 201/387 Tamaki Drive, St Heliers, Auckland 1071
Phone: 021-876502
Email: Tyler@Birdiefinancial.co.nz
Website: www.Birdiefinancial.co.nz

Nature and Scope of financial advice services

Our Services

  • Debt management (including borrowing for personal and investment purposes)


Products we can provide financial advice about

  • Loans including mortgages, reverse mortgages and deposit bonds


Our fees

The actual 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 following section outlines the types of fees that may apply:

  • The fees charged for our advice and services may be based on a combination of:

    ○ A set dollar amount; OR
    ○ a percentage-based fee.

  • Our agreed advice and service fees may include charges for:

    ○ Initial advice ongoing; OR
    ○ annual advice and services.

Other costs

Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree on all additional costs with you prior to incurring them.


Product providers we might recommend

  • ASB

  • ANZ

  • BNZ

  • Westpac

  • KiwiBank

  • TSB

  • Basecorp

  • Avanti Finance

  • Bluestone

  • Cressida Capital

  • DBR

  • Finbase

  • First Mortgage Trust

  • The Co-Operative Bank

  • CFML

  • Liberty Financial

  • Pepper Money

  • Resimac

  • Plus Finance

  • Prospa

  • SBS

  • Unity

  • Finbase

  • Flexy

  • Xceda Finance

Commissions

For services in relation to insurance/ investments/ loan products, commissions may be paid by the product provider as follows:

Initial Commission

  • A percentage of the value of your loan balance, and, if applicable, an hourly rate for services not utilised, as discussed and agreed upon engagement.

Ongoing Commission

  • A percentage of the value of your outstanding loan amount, usually calculated at the end of each month in which you hold the loan.

Conflicts of interest or other incentives

We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also.

From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.

Mortgage Commissions

If you decide to take out a loan through us, Birdie Financial will receive a commission from the lender that you have chosen. The amount of this commission depends on the lender, as well as the amount of your loan. This is paid to us upon settlement of your loan. Tyler is remunerated through a directors salary, as well as partially through the commissions that he helps generate. Further details of commission will be provided in more detail when a mortgage recommendation is presented to you.

How we manage any conflicts of interest

To ensure our advisers prioritise our clients’ interests:

  • We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.

  • All our advisers undergo annual training about how to manage conflicts of interest.

  • We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.

  • We undertake an annual independent Compliance Assurance Review.

Related Companies

Our shareholders also have interests in the following property related business, who specialise in new build, affordable housing.

  • Titus Group Limited

We may refer you to this company as part of our recommendations, however, Birdie Financial will not receive a referral fee, or commission if you do decide to use their service. Whether you choose to go with Titus Group however, is entirely up to you.

How we manage any conflicts of interest

To ensure our advisers prioritise our clients’ interests:

  • We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.

  • All our advisers undergo annual training about how to manage conflicts of interest.

  • We maintain registers of conflicts of interest and the gifts and incentives we receive.

  • These registers are monitored regularly, and additional training is provided as required.

  • We undertake an annual independent Compliance Assurance Review.

Our duties and obligations to you

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

  • Meet the standards of competence, knowledge, and skill set out in the Code of Conduct

  • Give priority to the clients’ interest, and

  • Exercise care, diligence and skill, and

  • Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

Our Internal complaints process

If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.

Our internal complaints manager is Philip Heslop who can be reached via email at Phil@titusgroup.co.nz or 021-779205. Philip will reply to you within 2 business days.

Our internal complaints handling process is as follows:

  1. We will consider your complaint, and let you know how we intend to resolve it. Where possible, we will try to resolve your complaint immediately.

  2. If we are unable to resolve your complaint immediately, then we will acknowledge your complaint within 2 business days. We may also reach out to you, to get further information regarding your complaint.

  3. We aim to resolve complaints within 5 working days of receiving them, however, if we need more time to investigate your complaint, we will let you know when you can expect to receive a response.

  4. We will contact you by phone, email, or letter to let you know whether we can resolve your complaint, and how we propose to do so.

  5. If we cannot agree on how to fix the issue, you can contact our external dispute resolution scheme, Financial Services Complaints Limited (FSCL). FSCL provides a free and independent dispute resolution service that may help you to resolve your complaint.

To contact FSCL

Call: 0800-347257

Email: info@fscl.org.nz

Visit: www.fscl.org.nz