This website is operated by Financial Hub Limited, trading as Mortgage Pundit (FSP778359). By using this website, you agree to these terms. If you do not agree, please do not use the website.
The information on this website, including our guides, examples and FAQs, is general in nature. It does not take your personal circumstances into account and is not financial advice. Before making any decision about lending, please talk to us so we can give you advice based on your situation.
Nothing on this website is an offer of credit. All lending is subject to the lender’s criteria, terms and conditions, and fees.
Our calculators give estimates only, based on the information you enter and the assumptions shown. Actual results, including how much a lender may lend you and your repayments, may be different.
We take care to keep the information on this website accurate and up to date. However, interest rates, lender policies and rules change often, and we cannot guarantee that everything on the website is complete or current at all times.
Our website may link to other websites, such as lenders or government agencies. We are not responsible for the content or privacy practices of those websites.
The content on this website, including text, images, logos and design, belongs to Mortgage Pundit or is used with permission. You may view and print it for your own personal use, but you may not copy, reproduce or use it for any other purpose without our written consent.
To the extent permitted by law, we are not liable for any loss or damage arising from your use of this website or reliance on the information on it. Nothing in these terms limits any rights you have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 that cannot be excluded.
Our Privacy policy explains how we collect and use your personal information.
We may update these terms from time to time, and the latest version will always be on this page. These terms are governed by New Zealand law.
If you have any questions about these terms, please contact us on 0800 PUNDIT (786 348) or at info@mortgagepundit.co.nz.
Last updated: October 2026