Disclosure

General Information Only

The information provided on this website is of a general nature and is not intended to be, nor should it be relied upon as, financial advice. Before making any financial decisions, you should consider your specific situation and seek personalized advice.

Financial Advice Provider (FAP)

East Gate Ltd (FSP721991), T/A The Mortgage Engineer, is a licensed Financial Advice Provider (FAP) in New Zealand. We provide advice on mortgages and personal insurance.

Nature and Scope of Advice

We can provide advice on:

Mortgages: residential, investment, refinancing, and restructuring
Insurance: life insurance, trauma/critical illness, income protection, medical cover, and mortgage protection

We do not provide advice on investments, KiwiSaver, or other financial products outside the scope listed above.

Our Duties

We are bound by the duties set out in the Financial Markets Conduct Act 2013 to:

Give priority to your interests
Exercise care, diligence, and skill
Ensure our advice is suitable for your situation
Comply with the Code of Professional Conduct for Financial Advice Services

Fees and Expenses

For most mortgage and insurance advice, we are paid by commission from lenders or insurers.
In some circumstances, if a loan is repaid, refinanced, or cancelled within a set period (e.g., 24 months), we may be required to repay commission to the lender/insurer. In this case, we may charge you a fee to recover that cost. We will always discuss and agree on this with you in advance.
If any other fees or expenses apply, we will tell you before providing our advice or service.

Conflicts of Interest

We receive commissions from lenders and insurers when arranging mortgages and insurance. These commissions vary between providers. To ensure our advice is not influenced by this, we follow a robust process that puts your interests first.

No Liability

While every effort has been made to ensure the accuracy of the information on this site, East Gate Ltd makes no warranties as to its accuracy or completeness and accepts no liability for any loss arising from reliance on the content provided.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the accuracy, reliability, or content of any external sites.

Complaints

If you are not satisfied with our service, please contact us in the first instance at:

📧 saadhababa@themortgageengineer.co.nz | 📞 02108958959

Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 3 working days.  We will then record your complaint in our Complaints Register and we will work with you to resolve your complaint.  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 14 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, you may refer it to our approved dispute resolution scheme, Financial Services Complaints Ltd (FSCL), at no cost to you:

📍 FSCL, PO Box 5967, Lambton Quay, Wellington 6145

📞 0800 347 257 | 📧 complaints@fscl.org.nz | 🌐 www.fscl.org.nz