Terms & Conditions
Last updated: 26 March 2026
1. Information only
The content on this website is provided for general informational purposes only and does not constitute financial advice. Nothing on this site should be construed as a recommendation to enter into, modify, or terminate any mortgage or financial product.
2. No warranty
While we endeavour to keep the information on this site accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information, rates, calculations, or related content. Interest rates displayed are sourced from lender websites and APIs and may be delayed, incomplete, or incorrect.
3. Not financial advice
You should seek independent professional financial advice before making any decisions based on the information provided on this site. We are not a registered financial adviser under the Financial Markets Conduct Act 2013 (NZ).
4. Calculator estimates
The mortgage comparison calculator provides estimates only. Actual repayment amounts, fees, cashback offers, and terms may differ from those displayed. Calculations are based on standard annuity formulas and do not account for fees, taxes, insurance, or other costs that may apply.
5. Market expectations
OCR expectations and market timing information are derived from publicly available research and represent estimates of market consensus at the time of publication. They are not predictions or guarantees of future outcomes.
6. Limitation of liability
To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of this website or reliance on any information provided, including but not limited to direct, indirect, incidental, or consequential losses.
7. Third-party content
This site may contain links to or information sourced from third-party websites and services. We do not endorse or accept responsibility for the content or practices of any third-party sites.
8. Changes
We reserve the right to modify these terms at any time. Continued use of the site following any changes constitutes acceptance of the revised terms.