New Zealand Finance provides general financial information and product comparisons to help New Zealanders make informed decisions about personal loans, home loans, KiwiSaver, insurance, savings, and other financial products. Please read this disclaimer carefully before using any information published on this website.
General Information Only — Not Financial Advice
All content published on newzealand-finance.nz is for general information purposes only. Nothing on this website constitutes personalised financial advice, investment advice, or a recommendation to acquire or dispose of any financial product. The information on this site does not take into account your individual financial situation, goals, needs, or risk tolerance.
Under the Financial Markets Conduct Act 2013 (FMC Act), only licensed financial advisers can provide regulated financial advice. New Zealand Finance is not a licensed financial advice provider. Before making any significant financial decision, we strongly recommend you seek advice from a qualified professional who is registered with the Financial Markets Authority (FMA).
Accuracy of Information
While we take care to ensure the accuracy of information published on New Zealand Finance, we cannot guarantee that all content is current, complete, or error-free at all times. Financial products, interest rates, fees, and regulatory requirements in New Zealand change frequently. We recommend that you verify any information directly with the relevant financial provider or the appropriate New Zealand regulatory authority before relying on it.
Key sources we rely on for accuracy include the Reserve Bank of New Zealand (RBNZ), Inland Revenue (IRD), the Financial Markets Authority (FMA), and the Commerce Commission New Zealand.
Interest Rates and Product Data
Interest rates, fees, loan terms, and other financial product data displayed on this website are sourced from publicly available information provided by NZ financial institutions. This information is subject to change at any time without notice. The rates and terms displayed are indicative only and may differ from the rates offered to you by a lender based on your individual circumstances.
We are not responsible for any decisions made based on interest rate comparisons displayed on this site. Always confirm current rates and terms directly with the lender before applying.
Commercial Relationships and Affiliate Links
New Zealand Finance has commercial referral and affiliate relationships with some financial providers listed on this site. When you click on certain product links and complete an application, we may receive a referral fee or commission from the provider. This does not affect the price or terms you receive, and our editorial team does not favour products based on commercial relationships. You can read more in our How We Make Money disclosure.
Credit and Lending Products
Information about personal loans, home loans, business loans, and other credit products on this site is provided for comparison purposes only. Loan applications are subject to lender eligibility criteria, credit assessment, and the requirements of the Credit Contracts and Consumer Finance Act 2003 (CCCFA). New Zealand Finance does not guarantee that you will be approved for any financial product.
KiwiSaver and Investment Information
KiwiSaver fund comparisons, projected returns, and fee comparisons are provided for general illustration purposes only. Past performance of KiwiSaver funds does not guarantee future returns. Investment products involve risk and the value of investments can go up or down. Please refer to a fund’s Product Disclosure Statement (PDS) before making investment decisions, and consult a licensed financial adviser if required.
Tax Information
Tax information, PAYE calculations, and income tax estimates provided by our calculators and guides are based on current Inland Revenue (IRD) published rates and are for estimation purposes only. Individual tax situations vary. For personalised tax advice, consult a registered tax agent or accountant, or visit ird.govt.nz.
No Liability
To the fullest extent permitted by New Zealand law, New Zealand Finance, its owners, editors, authors, and affiliates accept no liability for any loss or damage — direct, indirect, consequential, or otherwise — arising from your use of or reliance on any information published on this website. Your use of this website is at your own risk.
External Links
New Zealand Finance links to external websites including NZ government agencies, financial institutions, and regulatory bodies. We are not responsible for the content, accuracy, or privacy practices of any external website. Links to external sites do not constitute endorsement of the site or its content beyond the specific information referenced.
Updates to This Disclaimer
This financial disclaimer may be updated from time to time to reflect changes in New Zealand financial regulation or our business practices. The most recent version will always be available at this URL. Last reviewed: April 2026.
If you have any questions about this disclaimer, please contact our team.
