At Lee Mason Mortgages & Insurance we provide expert advice on mortgages, insurance products and KiwiSaver investment options.

We spend time with each of our clients, getting to know them and building up a relationship to ensure we can provide you with the most relevant, helpful and accurate advice.

Our goal is to be of service not just to you but your family when they are in need of financial advice in the future.

As we are independent brokers you can be sure you are getting the best advice. When we assess the products available on the market we judge them solely by their suitability to your requirements.

To find out more and to speak to one of our advisers, please call us today on +64 21 885 528

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Our Expertise

LICENSING INFORMATION

Jatz  Ltd trading as Lee Mason Mortgages & Insurance FSP 768071 holds a licence issued by the Financial Markets Authority to provide financial advice. Lee Mason FSP303586 is authorised by that licence to provide financial advice.

CONTACT DETAILS

Jatz Ltd trading as Lee Mason Mortgages & Insurance is the Financial Advice Provider.

You can contact us at:

Phone: 021 885528

Email: lee@leemason.co.nz

Address: 1 Tennyson Street, Trentham, Upper Hutt 5018

NATURE AND SCOPE OF ADVICE

Lee Mason Mortgages & Insurance advisers provide advice about:

  • Personal insurance (risk), including health insurance.
  • Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
  • ACC advice
  • Mortgages and personal lending
  • Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines).
  • Selecting an appropriate lender and mortgage structure.
  • How to structure your repayments to pay off your mortgage sooner
  • Structuring and refixing your current lending.

We provide advice in relation to the following lending products:

  • Mortgages
  • Personal loans
  • Top Ups
  • Fixed rate rollovers
  • Debt consolidation
  • Business loans

We provide advice in relation to the following insurance products:

  • Life insurance
  • Trauma insurance
  • Total and permanent disability insurance
  • Mortgage and household expenses cover
  • Health/medical insurance
  • Group Insurance

We provide advice in relation to products provided by the following companies:

  • Personal insurance (risk), including health insurance.
  • Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
  • ACC advice
  • Mortgages and personal lending
  • Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines)
  • Selecting an appropriate lender and mortgage structure
  • How to structure your repayments to pay off your mortgage sooner
  • Structuring and refixing your current lending

We provide advice in relation to the following lending products:

  • Mortgages
  • Personal Loans
  • Tops ups
  • Fixed rate rollovers
  • Debt consolidation
  • Business loans

We provide advice in relation to the following insurance products:

  • Life insurance
  • Trauma insurance
  • Total and permanent disability insurance
  • Income Protection insurance
  • Mortgage and household expenses cover
  • Health/medical insurance
  • Group Insurance

We provide advice in relation to products provided by the following companies:

FEES AND EXPENSES

Mortgage and lending planning fee

  • Lee Mason Mortgages & Insurance advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Jatz Ltd adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Lee Mason Mortgages & Insurance at the time your loan is advanced.
  • Where a Lee Mason Mortgages & Insurance adviser has obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan, a fee of $150 per hour up to a maximum of $1,800 will be payable as remuneration for the time spent on getting an approval. This fee is payable within 7 days of you deciding not to proceed with an approval.

Mortgage and lending service fee

Should you proceed with a loan implementation after advice from your Lee Mason Mortgages & Insurance adviser, and then repay or refinance your loan within two years of your loan being advanced, without giving your Lee Mason Mortgages & Insurance adviser the opportunity to assist you with a refinance, Jatz Ltd may charge you a fee of up to $3,000.

Insurance Service Fee

No fees are payable by you for insurance advice. However, Lee Mason Mortgages & Insurance may charge a fee for financial advice provided to a client if the client cancels a life or health insurance policy within two years of inception. Specific fee information will be advised when the advice is provided. This fee will be payable by the client by the 20 th of the month after the policy is cancelled.

CONFLICTS OF INTEREST

For life insurance and health insurance, Lee Mason Mortgages & Insurance and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Jatz Ltd and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided.

For mortgages and lending, Lee Mason Mortgages & Insurance and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided.

From time to time, product providers may also reward us for the overall business we provide to them. They may give us 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 personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Lee Mason Mortgages & Insurance financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.

DISPUTES AND COMPLAINTS

If you are not satisfied with our financial advice service you can make a complaint by emailing lee@leemason.co.nz, or by calling 021 885528. You can also write to us at: 1 Tennyson Street, Trentham, Upper Hutt 5018. When we receive a complaint, we will consider it using our internal complaints process:

  • We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
  • We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
  • We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd (FSCL). FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction. You can contact FSCL by phone 0800 347 257 or email info@fscl.org.nz.

DUTIES INFORMATION

Lee Mason Mortgages & Insurance, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests (431K)
  • exercise care, diligence, and skill in providing you with advice (431L)
  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice) (431I)
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice)

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.

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