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Copyright
All web site design, graphics,
text, the selection and arrangement thereof, and all software
Copyright © 2006, Bernie Cook, Cook Home Loans and
Berose Limited. Any use of materials on this Web site
- including reproduction, modification, distribution,
or republication without the prior written permission
of Bernie Cook, Cook Home Loans or Berose Limited is strictly
prohibited.
Trademarks
Cook Home Loans, Berose Limited,
cooks.co.nz, other domain names owned by Bernie Cook,
the Cook Home Loans stylized logo and all page headers,
custom graphics and button icons are service marks, trademarks,
and/or trade dress of Bernie Cook and Cook Home Loans
and Berose Limited. All other trademarks, product names
and company names or logos cited herein are the property
of their respective owners.
Disclaimer
Cook Home Loans is providing this
site and its content on an "as is" basis and
makes no representation or warranties of any kind with
respect to this site or its contents. Cook Home Loans
disclaims all such representations and warranties. Cook
Home Loans does not represent or warrant that the informaiton
accessible via this site is accurate, complete or current.
Except
as specifically stated on this site, neither Cook Home
Loans, Berose Limited nor any of its directors, shareholders,
agents, employees or other representatives will be liable
for damages arising out of or in connection with the use
of this site. This is a comprehensive limitation of liability
that applies to all damages of any kind, including (without
limitation) compensatory, direct, indirect or consequential
damages, loss of data, income or profit, loss of or damage
to property and claims of third parties.
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DISCLOSURE STATEMENT
Dated:
Name of advisor/principal officer: Bernie Cook.
Contact details:
Phone: 09-536 4691
Fax: 09-536 4690
Email: bernie@cooks.co.nz
Website: www.cooks.co.nz
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Introduction
I am required by the Securities Markets Act 1988 and the Securities Markets (Investment Advisers and Brokers) Regulations 2007 to disclose certain information about me to you.
Section 1: Disclosure of experience, qualifications, professional standing etc
Who do I work for?
I am a self employed mortgage broker and owner/director of Berose Ltd a duly incorporated company trading as Cook Home Loans.
Qualifications
- I am accredited with the following lending institutions as a qualified introducer.
- ANZ, ASB, AMP, National Bank, PSIS, Westpac, Sovereign, General Finance, Liberty Financial, NZF and various 2nd mortgage and private funding providers.
- I am authorised to prepare applications for residential, commercial, business and person loans.
I keep my qualifications up to date by attending training sessions with the accredited lenders and other industry organisations such as Allied Kiwi Ltd and the New Zealand Professional Advisors Association.
Professional Associations
In addition to the above qualifications I am a member of the following associations:
- Professional Advisors Association Incorporated. This organisation sets professional standards of conduct for its members and also offers a complaints resolution service.
- Allied Kiwi Ltd which is a mortgage broker aggregator and collects commissions on my behalf.
My Role
When I give advice I follow the recognised nine step process below:
1, Establishing the client-advisor relationship;
2. Gathering client data and determining client goals and expectations;
3. Analysing and evaluating the client’s position;
4. Preparing loan applications;
5. Presenting applications to the appropriate banks or lending institutions;
6. Negotiating the terms and conditions of the loan(s);
7. Structuring the loan(s) to achieve the best outcome over an optimum period;
8. Monitoring the progress of the loan and providing updated information when required;
9. Refixing or restructuring your loan(s) as required.
The services I provide will depend on your needs and may include any or all of the services detailed in this Disclosure Statement.
Professional Indemnity Insurance
I have professional indemnity insurance cover through The Professional Advisors Association Incorporated.
Dispute resolution
The Professional Advisors Association Incorporated (of which I am a member) operates a complaints resolution service that provides you with a forum to raise a complaint about me where I (as a member) cannot resolve the dispute to your satisfaction. If you wish to use the service, please contact
Chief Executive Officer
Professional Advisors Association
PO Box 38-105
WELLINGTON MAIL CENTRE
Section 2: Disclosure of criminal convictions etc
Principal Officer of an incorporated Company
I have not been:
- convicted of an offence under the Securities Markets Act 1988, the Investment Advisors (Disclosure) Act 1996 or the Securities Act 1978, or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961); or
- a director or principal officer of a body corporate that has committed an offence against the Securities Markets Act 1988, the Investment Advisors (Disclosure) Act 1996 or the Securities Act 1978, or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961); or
- adjudged bankrupt; or
- prohibited by an Act or by a court from taking part in the management of a company or business; or
- the subject of an adverse finding by a court in any proceeding that has been taken against me in my professional capacity; or
- expelled from, or been prohibited from being a member of, a professional body.
Section 3: Fees
I am paid a commission by the lending institution that provides your loan. If you repay all or part of your loan within 18 months, this commission may be clawed back from me partially or in full. Some lenders pay a trailing commission based on the amount owed from time to time.
I may charge you a fee to be agreed upon between us in addition to or instead of these commissions, but you will be informed of this at or prior to the initial meeting. The main reason for this is if you intend to repay your loan within 18 months or if no commission is payable from the lender for the work done.
Section 4: Disclosure of interests and other relationships
I am not required to place any level of business with any supplier or financial organisation.
Neither I nor any associate has any other financial or other relationship with any other person that would be reasonably likely to influence me in giving advice.
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