Disclaimer

1. No Financial Advice

NZ Home Loans is not a licensed financial adviser.

We provide a mortgage comparison and referral service only. We do not:

• Provide personalized financial advice or mortgage recommendations
• Assess your financial situation or suitability for specific products
• Recommend one lender or product over another based on your circumstances
• Give advice on whether you should borrow, how much to borrow, or which mortgage type to choose

All information on this website is general in nature only. It is not tailored to your personal financial situation, needs, or objectives.

2. Seek Professional Advice

Before making any mortgage or financial decision, you should:

• Consult with a licensed financial adviser or mortgage broker
• Seek independent legal advice on loan documents and contracts
• Have a qualified accountant review tax implications
• Conduct your own research and due diligence

Do not rely solely on information from our website when making important financial decisions.

3. Information Accuracy

While we make every effort to ensure information on our website is accurate and current, we make no warranties or guarantees about:

• Interest Rates: Rates displayed may be indicative only and can change without notice. Always verify current rates directly with lenders.
• Product Features: Loan features, fees, and terms can change. Confirm all details with the lender before applying.
• Lender Information: Lender details, product availability, and lending criteria may be outdated or incomplete.
• Calculations: Any calculators or estimates are for illustrative purposes only and may not reflect your actual costs.

4. No Guarantee of Approval or Rates

Submitting your details through our platform does not guarantee:

• Loan approval from any lender
• Specific interest rates or terms
• That you will be contacted by all lenders or brokers
• The best available rate in the market

Your eligibility, rates, and terms are determined by individual lenders based on their own assessment criteria, your financial situation, credit history, and property details.

5. Third-Party Services

We refer you to third-party lenders, mortgage brokers, and financial service providers ("Partners"). We are not responsible for:

• The quality, accuracy, or reliability of advice or services provided by Partners
• The terms, conditions, or rates offered by Partners
• Any losses, damages, or disputes arising from your dealings with Partners
• The conduct, professionalism, or licensing status of Partners

You contract directly with lenders and brokers. Any agreements you enter into are between you and them, not with NZ Home Loans.

6. Commercial Relationships

We receive referral fees and commissions from Partner lenders and brokers when you:

• Submit your information through our website
• Are successfully referred to a Partner
• Obtain a mortgage through a Partner

These commercial relationships may influence which Partners are featured, the order they appear, or how they are presented. However, we aim to provide a comprehensive comparison across the market.

7. Limitation of Liability

To the maximum extent permitted by New Zealand law:

• We are not liable for any financial losses you incur from mortgage decisions
• We are not responsible for errors, omissions, or outdated information on our website
• We are not liable for the actions or advice of Partner lenders and brokers
• We make no warranties about the suitability of any product or lender for your needs
• Your use of our service is entirely at your own risk

8. Website Availability

We do not guarantee that our website will be:

• Available at all times without interruption
• Free from errors, viruses, or security vulnerabilities
• Compatible with all devices or browsers

We reserve the right to modify, suspend, or discontinue our service at any time without notice.

9. External Links

Our website may contain links to third-party websites. We are not responsible for:

• The content, accuracy, or privacy practices of external websites
• Any products, services, or information obtained through external links
• The security or safety of external websites

Following external links is at your own risk.

10. User Responsibility

You are responsible for:

• Verifying all information with lenders and brokers before making decisions
• Reading and understanding all loan documents and disclosures
• Ensuring you can afford mortgage repayments before borrowing
• Understanding the risks of taking on debt and property investment
• Complying with all applicable laws and regulations

11. Changes to This Disclaimer

We may update this disclaimer at any time without notice. Changes take effect immediately upon posting. Please review this page regularly.

12. Contact Us

If you have questions about this disclaimer, please contact us: