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Plaxo Mortgages Limited (Plaxo) is a financial advice provider (FSP 769518), licensed and regulated by the Financial Markets Authority to provide financial advice. Acting in a brokerage capacity, the nature and scope of the business includes sourcing and arranging lending facilities for residential and/or commercial purposes. This includes home loans, property development finance, construction loans and business lending.
Our accreditation with New Zealand's main banks and finance institutions makes us ideally placed to assist individuals and businesses find the most suitable and cost-effective financial solutions available to them and to achieve their financial goals and objectives.
Operating successfully since 2006, Plaxo is a well-established and proven mortgage broking operation. We have successfully obtained the support of a large number of customers, including many first-time home buyers, real estate investors and business owners, and have maintained long-term and stable relationships with us.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Buying a house generally involves much consideration and planning, whether it be one for your own occupation or an additional one for investment. There can be many things to contemplate before making the decision to proceed, such as:
Our team of Financial Advisers is well placed to help you with some of your decision-making, based on their knowledge and understanding of the property environment and the experience they’ve gained from helping many people like you in the past.
If/when you make the decision to proceed with your property transaction, we then look to source on your behalf the best possible finance options to meet your individual circumstances. That includes leveraging the most advantageous terms, conditions, rates and loan product features (such as fixed vs variable) for you.
This helps make things simpler for you and can also save you time, energy, and money.
Buying a house generally involves much consideration and planning, whether it be one for your own occupation or an additional one for investment. There can be many things to contemplate before making the decision to proceed, such as:
Our team of Financial Advisers is well placed to help you with some of your decision-making, based on their knowledge and understanding of the property environment and the experience they’ve gained from helping many people like you in the past.
If/when you make the decision to proceed with your property transaction, we then look to source on your behalf the best possible finance options to meet your individual circumstances. That includes leveraging the most advantageous terms, conditions, rates and loan product features (such as fixed vs variable) for you.
This helps make things simpler for you and can also save you time, energy, and money.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Buying a house generally involves much consideration and planning, whether it be one for your own occupation or an additional one for investment. There can be many things to contemplate before making the decision to proceed, such as:
Our team of Financial Advisers is well placed to help you with some of your decision-making, based on their knowledge and understanding of the property environment and the experience they’ve gained from helping many people like you in the past.
If/when you make the decision to proceed with your property transaction, we then look to source on your behalf the best possible finance options to meet your individual circumstances. That includes leveraging the most advantageous terms, conditions, rates and loan product features (such as fixed vs variable) for you.
This helps make things simpler for you and can also save you time, energy, and money.
Buying a house generally involves much consideration and planning, whether it be one for your own occupation or an additional one for investment. There can be many things to contemplate before making the decision to proceed, such as:
Our team of Financial Advisers is well placed to help you with some of your decision-making, based on their knowledge and understanding of the property environment and the experience they’ve gained from helping many people like you in the past.
If/when you make the decision to proceed with your property transaction, we then look to source on your behalf the best possible finance options to meet your individual circumstances. That includes leveraging the most advantageous terms, conditions, rates and loan product features (such as fixed vs variable) for you.
This helps make things simpler for you and can also save you time, energy, and money.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
While investment property is often a long-term financial planning vehicle, with rental income and future re-sale profits being the main drivers, some property is acquired with specific renovation, remodeling or enhancement plans in mind. The aim being to complete the work in the short term and hopefully realising a capital gain as soon as possible. This can be a lucrative exercise, although not without inherent risks.
Plaxo Financial Advisers have worked closely with many property developers, whether it be just one-off projects or those with larger property portfolios. We understand that marketplace and are well placed to assess the situation and directing funding applications to financiers who are the most open to such transactions.
While investment property is often a long-term financial planning vehicle, with rental income and future re-sale profits being the main drivers, some property is acquired with specific renovation, remodeling or enhancement plans in mind. The aim being to complete the work in the short term and hopefully realising a capital gain as soon as possible. This can be a lucrative exercise, although not without inherent risks.
Plaxo Financial Advisers have worked closely with many property developers, whether it be just one-off projects or those with larger property portfolios. We understand that marketplace and are well placed to assess the situation and directing funding applications to financiers who are the most open to such transactions.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Construction lending usually involves the custom building of a new house, or small-scale housing developments. Construction loans can be taken out by property owners or builders and are typically short-term facilities for the duration of the actual building project.
Depending on lender terms and conditions, repayment flexibility can be a feature and interest only payments may apply while the project is underway. The lender may also impose special conditions and covenants around things like resource consents and environmental aspects etc.
Upon completion of the construction, the finance can generally be either repaid or refinanced to a structured longer-term loan.
Plaxo Financial Advisers have the necessary knowledge and experience to assist applicants with the requirements and obligations usually associated with construction lending.
Construction lending usually involves the custom building of a new house, or small-scale housing developments. Construction loans can be taken out by property owners or builders and are typically short-term facilities for the duration of the actual building project.
Depending on lender terms and conditions, repayment flexibility can be a feature and interest only payments may apply while the project is underway. The lender may also impose special conditions and covenants around things like resource consents and environmental aspects etc.
Upon completion of the construction, the finance can generally be either repaid or refinanced to a structured longer-term loan.
Plaxo Financial Advisers have the necessary knowledge and experience to assist applicants with the requirements and obligations usually associated with construction lending.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Business/Commercial financing can be utilised for a broad range of purposes, such as the
Terms and conditions can vary markedly between lenders in terms of Business/Commercial finance, including the security they demand. This may be taken over residential property, commercial property, land, or the business assets themselves – or a combination of any of these. A General Security Agreement (GSA) may also be a stipulation over and above tangible security cover.
Similarly, there can be a marked difference between lenders on loan terms, interest rates and product features. Business/Commercial finance is often structured by way of both longer-term business loans and shorter-term revolving credit facilities (such as overdrafts) to give businesses the flexibility of managing their cash flow effectively.
Plaxo Financial Advisers have experience in dealing with lenders who provide business and commercial financing. This means we understand their criteria and their requirements and are well placed to present an application on your behalf that will have an increased chance of being considered favourably.
Business/Commercial financing can be utilised for a broad range of purposes, such as the
Terms and conditions can vary markedly between lenders in terms of Business/Commercial finance, including the security they demand. This may be taken over residential property, commercial property, land, or the business assets themselves – or a combination of any of these. A General Security Agreement (GSA) may also be a stipulation over and above tangible security cover.
Similarly, there can be a marked difference between lenders on loan terms, interest rates and product features. Business/Commercial finance is often structured by way of both longer-term business loans and shorter-term revolving credit facilities (such as overdrafts) to give businesses the flexibility of managing their cash flow effectively.
Plaxo Financial Advisers have experience in dealing with lenders who provide business and commercial financing. This means we understand their criteria and their requirements and are well placed to present an application on your behalf that will have an increased chance of being considered favourably.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Refinancing involves replacing an existing lending facility with a new one that effectively clears the debt of the original one. Sometimes the refinancing may occur with the current lender, or it may be with an alternative lending provider. Changing lending providers may be due to changed circumstances of the borrower, a more competitive offering elsewhere, or dissatisfaction with the current lender.
Refinancing should be approached with better outcomes in mind, to make the whole process worthwhile. This generally involves achieving material cost savings, which will improve the financial position of the borrower in both the short and longer terms.
Often, refinancing occurs when additional funds are needed, and therefore a top up to the original loan amount is required. Again, this may be done through the current lender, or it may be considered an ideal time to `look around’ at what options are available in the marketplace.
Plaxo Financial Advisers have helped many clients achieve satisfactory refinancing and/or top up outcomes, while making the whole process quick and easy.
Refinancing involves replacing an existing lending facility with a new one that effectively clears the debt of the original one. Sometimes the refinancing may occur with the current lender, or it may be with an alternative lending provider. Changing lending providers may be due to changed circumstances of the borrower, a more competitive offering elsewhere, or dissatisfaction with the current lender.
Refinancing should be approached with better outcomes in mind, to make the whole process worthwhile. This generally involves achieving material cost savings, which will improve the financial position of the borrower in both the short and longer terms.
Often, refinancing occurs when additional funds are needed, and therefore a top up to the original loan amount is required. Again, this may be done through the current lender, or it may be considered an ideal time to `look around’ at what options are available in the marketplace.
Plaxo Financial Advisers have helped many clients achieve satisfactory refinancing and/or top up outcomes, while making the whole process quick and easy.
Address
Level 1/638 Great South Road
Greenlane, Auckland
Postal Address
PO Box 17163 Greenlane Auckland 1546
09 916 0116Address
168A Carlisle Road
Northcross, Auckland
Postal Address
168A Carlisle Road, Northcross, Auckland
09 916 0116Address
740 Te Rapa Rd
Te Rapa, Hamilton
Postal Address
PO Box 17163 Greenlane Auckland 1546
07 974 9665Plaxo Mortgages Limited (Plaxo Mortgages) is a financial advice provider (FSP 769518) licensed and regulated by the Financial Markets Authority to provide financial advice.
The information below will help you understand what type of advice we can provide to you.
Plaxo will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders (set out below). Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval.
We source loans from a panel of lenders. The current lenders we can use include
The types of financial advice products we can give advice on are:
we can help you with other services through our referral partners set out below:
We are unable to offer legal or tax advice and recommend you consult your solicitor or accountant for this type of advice.
Generally, we do not charge you any fees for the financial advice we provide to you. Plaxo Mortgages receives commissions for most loan agreements. The commission amount generally depends on the loan value and may vary from lender to lender. Typically, we receive an upfront commission is calculated as a percentage of the loan at drawdown. A trail commission is calculated as a percentage of the loan outstanding at the relevant time. We may also receive a fixed rate roll over fee from the applicable lender if we assist in refixing your loan.
One-off fees
we may charge you a one-off fee if the following occurs:
(a) When we don't receive commission from the lender: If you request that us provide financial advice and we do not receive a commission from the lender, we may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before we 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 we provide services in relation to either a product that is offered by a lender that we do not hold an accreditation with, or a product that is outside our usual arrangements with our approved lenders.
(b) When we have to repay commission to the lender: In the event that, in the 28-month period following drawdown of your loan, your loan is fully or partially repaid or the terms materially changed, and a lender requires that we repay the applicable commission to them, we may charge you a one-off fee. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of our time spent providing financial advice to you in connection with the applicable loan. The fee we charge you will not exceed the amount of commission we have to repay to the lender. You will be invoiced for any one-off fee and will be given 30 days to make payment.
On settlement of a loan, we usually receive a commission payment from the applicable lender. The commission is generally of an upfront commission payment, but we may also receive an ongoing trail commission payment. The upfront commission is calculated as a percentage of the loan at drawdown. A trail commission is calculated as a percentage of the loan outstanding at the relevant time we may also receive a fixed rate roll over fee from the applicable lender if we assist in refixing your loan.
The maximum percentage that each lender uses to calculate upfront and trail commissions, and the maximum fixed rate roll over fees (refix fees), are from 0.55% to 1%. If there are any variations to these percentages or other commission payments that may apply, specific to your loan application, we will disclose this to you as part of my advice process.
we may also receive a referral fee or commission payment if we refer you to our referral partners, we will give you more information about how that referral fee or commission is calculated, before proceeding.
From time to time, we may receive incentives or rewards from lenders. For example, they may provide us with gifts, tickets to events or other incentives.
We manage the conflicts of interest arising from these commission payments by:
If you are not satisfied with our service or financial advice, please tell us as soon as possible.
Call: Yong Zhang
Telephone: 09 916 0116
Email: york@plaxoltd.co.nz
Write to: PO BOX 17163, Greenlane, Auckland, New Zealand
If we cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd (FSCL). FSCL provides a free and independent dispute resolution service that may help to resolve your complaint. To contact FSCL
Call: 0800 347 257
Email: complaints@fscl.org.nz
Web: www.fscl.org.nz
Plaxo Mortgages and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.
We are required to:
Plaxo Mortgages Limited (FSP 769518) is the Financial Advice Provider.
Call: 09 916 0116
Email: info@plaxoltd.co.nz
Write to: Level 1, 638 Great South Road, Greenlane, Auckland, New Zealand
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Acting in a brokerage capacity, the nature and scope of the business includes sourcing and arranging lending facilities for residential and/or commercial purposes. This includes home loans, property development finance, construction loans and business lending.
Home Loans
Construction Funding
Property
Development Lending
Business and
Commercial Finance
Refinancing
Plaxo Mortgages Limited (Plaxo) is a financial advice provider, licensed and regulated by the Financial Markets Authority to provide financial advice. Acting in a brokerage capacity, the nature and scope of the business includes sourcing and arranging lending facilities for residential and/or commercial purposes. This includes home loans, property development finance, construction loans and business lending.
Know More15 years’ experience in mortgages and a dedicated team.
Our up-to-date technology makes it easier for application.
Integrity is our guiding value. We stand behind what we say we will do for our customers and each other.
What we do affects who we are.
We have a team of around 15 dedicated Financial Advisers operating under the Plaxo Mortgages Limited financial advice provider licence (FSP 769518). Most have formal finance-related qualifications, and each adviser undertakes on-going training and development in order to maintain optimum competence, knowledge and skill. The adviser team is supported by robust operating and management systems to ensure effective, compliant, and professional business dealings with our clients.
Founder, Financial Adviser
york@plaxoltd.co.nzHead of Business Development
sue.liu@plaxoltd.co.nzManaging Executive
emma.lu@plaxoltd.co.nzFinancial Adviser
chapman@plaxoltd.co.nzCompliance Officer
compliance@plaxoltd.co.nzFinancial Adviser
steven.li@plaxoltd.co.nzFinancial Adviser
Frank.fu@plaxoltd.co.nzFinancial Adviser
elva.feng@plaxoltd.co.nzFinancial Adviser
evelyn.yu@plaxoltd.co.nzFinancial Adviser
Toby.shi@plaxoltd.co. nzFinancial Adviser
Charles.wu@plaxoltd.co.nzFinancial Adviser
grace.huang@plaxoltd.co.nzFinancial Adviser
steven.sun@plaxoltd.co.nzFinancial Adviser
tim.liu@plaxoltd.co.nzFinancial Adviser
Florence@plaxoltd.co.nzFinancial Adviser
john.chen@plaxoltd.co.nzFinancial Adviser
sharon@plaxoltd.co.nzFinancial Adviser
jeff@plaxoltd.co.nzBusiness Development Manager
Johanna.zheng@plaxoltd.co.nzLoan Officer
loanofficer@plaxoltd.co.nzLoan Writer
service@plaxoltd.co.nzLevel 1/638 Great South Road Greenlane,Auckland
info@plaxoltd.co.nz
Auckland / 09 916 0116