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Important Information About Our Business

It is important that you read this information as this will help assist you with making the decision to choose an adviser best suited to your situation and needs. Information about James Dean and James Dean Mortgage Solutions are found below.

Zenzero Limited
Trading as James Dean Mortgage Solutions

Adviser contact details:

James Dean FSP: 500566
Mobile: 022 042 8757
Address: 41D Raranga Street, Marshland, Christchurch 8083

Nature & Scope of Service

I am a regulated Financial Adviser and I can give advice about Financial Advice Products such as consumer credit contracts, home loans, and mortgages. I can provide you with advice as well as transactional services relating to mortgages and home loans, and may facilitate the approval of finance provided by a range of organisations.

How am I regulated by the Government?

I am supervised and regulated by the Financial Markets Authority (FMA) You can contact the Financial Markets Authority for more information, including financial tips and warnings. You can also check that I am a registered Financial Adviser at

How do I get paid?

I am paid by the Lenders when I arrange a mortgage on your behalf.

These are received as a percentage of the loan amount as a lump sum and with ongoing trail payments over the lifetime of the loan. The list below outlines these percentages by Lender:

ANZ 0.85% Upfront

BNZ 0.55% Upfront 0.15% Trail

ASB 0.85% Upfront

Westpac 0.6% Upfront 0.20% Trail

Co-Operative Bank 0.7% Upfront

SBS 0.8% Upfront

Liberty Financial 0.6% Upfront 0.15% Trail

Avanti 0.8% Upfront

Resimac 0.6% Upfront 0.15% Trail

Conflict Of Interest

I may receive commissions at settlement from the relevant lender if you choose to take out a mortgage following my advice. The commissions are between 0.55% and 0.85% of the initial mortgage balance or amount funded. I may also receive 0.15% to 0.20% trail commission and a $150 for any refixes I assist you with in future.

The commission I receive is shared with James Dean Mortgage Solutions for providing me with compliance support, training, and back-office support.

I am paid commissions by lenders when a mortgage settles and in some cases at the mortgage anniversary each year.

I ensure that I prioritise your interests by following an advice process that considers your circumstances and goals. I research suitable products and providers to ensure the advice meets your needs.

I also undergo annual training on how to manage any conflicts of interest and record any conflicts in a register that we review and manage.

James Dean Mortgage Solutions is subject to a yearly audit and compliance reviews to ensure we meet our obligations while doing right by our clients.

What should you do if something goes wrong?

If you have a problem, concern, or complaint about any part of my service, please tell me so I can try to fix the problem. You can contact our internal complaints scheme by emailing

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our Disputes Resolution Scheme- Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service. This service will cost you nothing, and will help us resolve any disagreements. You can contact FSCL by emailing, calling on 0800 347 257 or 04 472 3725 or in writing to PO Box 5967, Lambton Quay, Wellington 6145.


James Dean and James Dean Mortgage Solutions are bound by the duties of the Financial Markets Conduct Act to:

  1. Meet the standards of competence, knowledge and skill set out in the Code of Conduct
  2. Give priority to the clients’ interests and
  3. To exercise care, diligence, and skill in regards to the advice we provide and
  4. Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

Availability of information

All this information can be made available in hardcopy on request.

James was patient, informative and calm throughout the process of buying our first home. He made such a scary thing, easy! Thanks so much for sharing your knowledge, throwing in a joke or two and even bidding at auction for us. Couldn't have done it without him. Highly recommend!

- Philippa

We found James really good to work with and very knowledgeable not only with Mortgages but the whole process of buying a house. He helped us understand how all this adult financial stuff works and figured out the best plan for us and the best bank that suited that plan. Super patient too as we had to get him to re-explain things to us multiple times!
Would recommend to anyone.

- Sam

James made everything super easy for us when we purchased our first home! He was very attentive and no task was too big or too small!! He was always making sure we got what we needed! I would definitely recommend James to anyone and everyone!

He is truly awesome and you will love dealing with him!

- Sally