Website Terms of Use

These Website Terms of Use apply when you access or use thegoodbroker.co.nz, including its pages, forms, booking tools, calculators, downloads and other website content.

The website is operated by:

The Good Broker Limited
NZBN: 9429052470875
Financial Service Provider: FSP1008761
Office 2, 18 Tawa Street
Mount Maunganui 3116
New Zealand

In these terms, we, us and our mean The Good Broker Limited.

By using the website, you agree to these terms. If you do not agree with them, please do not use the website.

The information on this website is general information only.

It does not take account of your personal circumstances, financial position, objectives or needs, and should not be treated as personalised financial advice.

Mortgage rates, lending policies, cash contributions, servicing calculations, property values, lender requirements and eligibility criteria can change. Information that was accurate when published may later become out of date.

You should not make a financial decision solely on information contained on this website.

Using this website, submitting a form, booking a call or communicating with us does not automatically create a financial adviser and client relationship.

A financial advice relationship begins only when we agree to provide financial advice or services to you and complete any required onboarding, identity verification, disclosures and engagement steps.

Our financial advice services are subject to:

• Our public disclosure information
• Any specific disclosures provided to you
• Any agreed scope of service
• Any fee or engagement terms communicated to you
• Applicable New Zealand financial-services law

You can read our Public Disclosure Statement and Complaints Process on this website.

Our initial mortgage review is intended to help us understand your situation and determine:

• Whether we may be able to help
• Whether we are a suitable fit for each other
• The broad options that may be worth exploring
• What information or next steps may be required

The initial review is not necessarily a complete financial analysis or formal recommendation.

We may need further information and documents before providing personalised financial advice.

Nothing on this website guarantees:

• Approval of a loan or other financial product
• A particular interest rate
• A lender cash contribution
• A particular borrowing amount
• Acceptance by a lender
• A reduction in repayments or interest costs
• A particular refinancing, investment or commercial-lending outcome
• The availability of a particular lender or product

All lending decisions are made by the relevant lender and are subject to its policies, assessment and approval processes.

Examples, illustrations and case studies are provided to explain possible scenarios. They are not promises that another client will achieve the same result.

Any calculator, estimate or worked example on this website is indicative only.

Actual results may differ because of factors including:

• Interest-rate changes
• Lender policy
• Loan structure
• Fixed-rate break costs
• Legal fees
• Bank discharge fees
• Valuation costs
• Client eligibility
• Property type and value
• Income and expenses
• Tax or accounting treatment

Unless expressly stated otherwise, calculations are not quotes, loan offers, credit decisions or personalised recommendations.

You should confirm the current figures and assumptions with us before relying on them.

For most standard residential lending, we do not currently charge the client a direct advice fee and are usually paid commission by the lender when lending settles.

A fee may apply in some circumstances, including:

• Complex applications
• Commercial or development lending
• Work for which lender commission is unavailable or insufficient
• Early refinancing, cancellation or repayment that results in lender commission being clawed back
• Other circumstances disclosed and agreed with you in advance

If a fee may apply, we will explain the proposed fee and scope of work before you proceed.

Our current fee, commission and conflict-of-interest information is contained in our Public Disclosure Statement.

If there is any inconsistency between these website terms and our specific disclosure or engagement documentation, the specific documentation will apply.

We provide advice about products from the lenders and product providers available to us.

We do not necessarily advise on every lender or financial product available in New Zealand.

The lenders shown on our website may change as our accreditations, provider relationships and service offering change.

Displaying a lender's name or logo does not mean that:

• The lender endorses us
• The lender will approve your application
• We will recommend that lender to you
• A particular product remains available

Our current advice scope and provider limitations are described in our Public Disclosure Statement.

When communicating or working with us, you agree to provide information that is accurate, complete and not misleading.

You should tell us promptly if relevant information changes.

This may include changes to your:

• Income
• Employment
• Expenses
• Debts
• Assets
• Dependants
• Property plans
• Business position
• Credit history
• Residency or visa position

We are entitled to rely on the information you provide when assessing your situation or preparing an application.

You should review all documents carefully before signing or submitting them.

You may use our website to:

• Request contact
• Book a mortgage review
• Submit an enquiry
• Provide basic information about your situation

Submitting a form does not require us to accept an engagement or provide a service.

Booking tools and forms may be provided by third-party platforms, including GoHighLevel or other service providers.

Email, text messages and ordinary website forms may not always be secure. Please do not send identity documents, bank statements or other highly sensitive financial information through an unsecured channel unless we specifically ask you to do so.

Where appropriate, we will provide a secure method for supplying documents.

Our collection, use, storage and disclosure of personal information is governed by our Privacy Policy.

Our Privacy Policy includes information about:

• Website forms and enquiries
• Cookies and analytics
• Overseas technology providers
• Call and video recording
• Automated transcription
• AI-assisted processing
• Accessing or correcting your information

Unless otherwise stated, we own or are licensed to use the content on this website, including:

• Written content
• Branding
• Logos
• Page designs
• Graphics
• Photographs
• Videos
• Downloadable materials
• Software and website components

You may view, print or save website content for your own personal and non-commercial use.

You must not, without our prior written permission:

• Reproduce substantial parts of the website
• Republish our content as your own
• Use our branding or logo
• Sell or commercially exploit website material
• Scrape or systematically extract website content
• Modify or create derivative commercial material from our content
• Use the website in a way that infringes another person's rights

You may share links to publicly available website pages.

You must not:

• Use the website unlawfully
• Attempt to gain unauthorised access to the website or its systems
• Introduce malware, malicious code or harmful material
• Interfere with the operation or security of the website
• Use automated systems to overload or disrupt the website
• Submit false, fraudulent, abusive or misleading information
• Impersonate another person
• Use the website to infringe another person's privacy or intellectual-property rights

We may restrict or block access where we reasonably believe the website is being misused.

The website may contain links to or embedded content from third parties, including:

• Lenders
• Government agencies
• Google
• Booking providers
• Social-media platforms
• Review platforms
• Calculators
• Document or form providers

We provide these links or integrations for convenience.

Third-party websites and services are controlled by their respective operators and may have their own terms, privacy policies and security practices.

We are not responsible for the availability or content of a third-party service, except to the extent required by law.

A link does not necessarily mean we endorse everything published by that third party.

We aim to keep the website accurate, secure and available, but we cannot guarantee uninterrupted or error-free access.

The website may be unavailable because of:

• Maintenance
• Technical faults
• Hosting issues
• Internet outages
• Cybersecurity incidents
• Events outside our reasonable control

You are responsible for maintaining appropriate security and backups on the device you use to access the website.

Nothing in these terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, including rights under the Consumer Guarantees Act 1993 and Fair Trading Act 1986.

To the maximum extent permitted by law, we are not liable for indirect, consequential or special loss arising solely from:

• Your use of, or inability to access, the website
• Reliance on general website information without obtaining personalised advice
• A third-party website, platform or service
• Website interruptions or technical errors
• Unauthorised access caused by matters outside our reasonable control

This limitation does not apply to loss caused by our fraud, wilful misconduct, gross negligence, breach of statutory duty, or any liability that cannot legally be excluded.

Nothing in this section limits any responsibility we have for financial advice or services formally provided to you under an agreed engagement.

These terms do not remove or reduce any rights you have under New Zealand law.

Where the Consumer Guarantees Act 1993 applies, its protections continue to apply despite anything inconsistent in these terms, except where contracting out is lawfully permitted for a genuine business transaction and has been properly agreed in writing.

Nothing in these terms permits misleading or deceptive conduct or false representations.

We may update:

• The website
• Its content
• Available services
• These Website Terms of Use

The updated terms will apply from the date shown at the top of this page.

Changes will not retrospectively alter any separate agreement already entered into with you unless that agreement allows it or we both agree.

If you have a concern about our website, advice or service, please contact us first so we can try to resolve it.

Complaints Manager: Nathan Morgan-French
Email: nathan@thegoodbroker.co.nz
Phone: 0274 66 77 80

We will acknowledge your complaint within two business days. We aim to resolve complaints within 10 working days. If we need longer, we will tell you why and keep you updated.

If we cannot resolve the complaint, you may contact Financial Services Complaints Limited, FSCL. FSCL's service is free to clients.

Phone: 0800 347 257
Website: fscl.org.nz

More information is available on our Complaints Process page.

These terms are governed by the laws of New Zealand.

You and The Good Broker Limited submit to the non-exclusive jurisdiction of the New Zealand courts.

Questions about these terms can be sent to:

The Good Broker Limited
Office 2, 18 Tawa Street
Mount Maunganui 3116
New Zealand

Phone: 0274 66 77 80
Email: nathan@thegoodbroker.co.nz