About Credible
Finance advisers, not a lender
A finance adviser that handles
the house and the hardware.
Credsol Financial Services Limited, trading as Credible Finance & Mortgages, is based in Greenlane, Auckland, and works with clients across Auckland, the Waikato and the Bay of Plenty.
01 — Who we are
Home lending and business finance
Two conversations that are usually one conversation.
The useful question is rarely “what’s the rate”. It’s “what does this cost me over the whole term, and what happens if something changes”.
We arrange home lending for people buying and refinancing property, and commercial, asset and equipment finance for businesses.
A lot of our work sits where those two meet. The contractor whose home loan application turns on how the business is structured. The transport operator refinancing a house to free up capital for another unit. The clinic owner buying equipment in the same year they’re buying a first home. Splitting that across two advisers who don’t talk to each other rarely helps anyone.
We’re not a lender. We work with a panel of banks and non-bank lenders, and our job is to know which of them will say yes to your situation, on what terms, and how long it will take.
02 — How we work
Plain answers, including no
Three things we hold ourselves to.
If the numbers don’t work yet, you’ll hear that early. We would rather tell you what needs to change, and roughly how long that takes, than lodge an application we expect to be declined and cost you a credit enquiry for nothing.
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We say what we think
Including when the answer is that now isn’t the right time, or that the deal in front of you isn’t worth doing. That advice is worth more than an application we know will be declined.
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We explain the structure, not just the rate
How the lending is split, what the fees are, what a balloon payment does to the end of the term, and what it costs to break or repay early. That’s where the money usually is.
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We do the chasing
Applications stall on a missing statement or a supplier invoice in the wrong format. Following those up with the lender and the supplier is our job, and we’d rather ring you with progress than wait for you to ask.
03 — How we’re regulated
Search the FSP registerWho we answer to, and what to do if we get it wrong.
Before we give you regulated financial advice, you’ll get our disclosure information in writing: what we advise on, which lenders we work with, how we’re paid, any conflicts we have to manage, and how to complain. Ask for it at any point and we’ll send it through.
Credsol Financial Services Limited, trading as Credible Finance & Mortgages, is registered on the New Zealand Financial Service Providers Register under FSP743011. The register is public and searchable at fsp-register.companiesoffice.govt.nz.
We’re a member of Financial Services Complaints Limited (FSCL), an approved dispute resolution scheme. If something goes wrong and we can’t sort it out with you directly, you can take the complaint to FSCL, and it won’t cost you anything. We’re also a member of Financial Advice New Zealand.
How to raise a complaint
- Tell us first — email ask@credsol.co.nz or ring 0800 273 376 — and we’ll work through our internal process with you.
- If you’re still not satisfied, FSCL can take it from there, and it won’t cost you anything.
- Privacy complaints are handled separately and are covered in our privacy statement.
04 — Our people
One adviser owns your file
Who you’ll actually be dealing with.
Syed Ahsan Ahmad is a financial adviser and a chartered accountant, and Pradyumna Mahajan is a business and financial consultant who works on funding structure and lender fit. Which of us you deal with depends on what the lending is for.
- Syed Ahsan Ahmad Financial Adviser · Chartered Accountant
- Pradyumna Mahajan Business and Financial Consultant
05 — Where we work
In person or by video call
Auckland-based, working the upper North Island.
One office, in Greenlane, Auckland, and clients across three regions. If you’d like to come in, get in touch first so someone’s there.
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Auckland
1 Waiohua Road, Greenlane, Auckland 1061
Visits by appointment. -
Hamilton
Clients across the Waikato, in person or by video call.
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Tauranga
Clients across the Bay of Plenty, in person or by video call.
Tell us what you’re trying to do.
Send a short email and we’ll come back with what’s realistic, what it’s likely to cost, and what we’d need from you. No obligation, and no application form to fill in first.