Website Disclaimer

General information only

The information on this website is general in nature and is provided for information purposes only. It does not take into account your personal objectives, financial situation, property position, business circumstances, project feasibility, risk profile or lending needs.

Nothing on this website should be treated as personalised financial advice, mortgage advice, credit approval, legal advice, tax advice, accounting advice, investment advice, valuation advice or a recommendation to proceed with a particular lender, loan structure or financial product.

New Zealand financial advice context

Financial advice in New Zealand is regulated under the Financial Markets Conduct Act 2013 and related regulations. Financial advice providers must be licensed by the Financial Markets Authority, or provide advice under a licensed Financial Advice Provider.

Before personalised advice is provided, you should receive disclosure information about the adviser or Financial Advice Provider, the scope of advice, relevant fees and costs, commissions or other incentives, conflicts of interest, complaints handling and dispute resolution.

Financial Guru is a trading name of Marison Financial Guru Ltd, FSP10126567. Marison Financial Guru Ltd's Financial Advice Provider licence application is pending. Until the appropriate FAP process and disclosure applies, this website provides general information only and does not provide personalised financial advice.

No approval guarantee

Lending approval, interest rates, fees, terms, conditions, cash contribution requirements and funding availability depend on lender criteria and your individual, business or project circumstances. Nothing on this website guarantees approval, pricing, funding availability, lender acceptance, settlement, drawdown or any particular financial outcome.

Mortgage, commercial and development lending

Mortgage, commercial and development finance information is general only. Actual outcomes may depend on income, expenses, credit history, deposit, existing debt, loan-to-value ratio, security type, servicing, business financials, valuation, total development cost, GDV, equity, pre-sales, consent status, borrower experience, project team, market conditions and lender appetite.

Information accuracy and changes

We aim to keep website information clear and up to date, but lending policies, interest rates, fees, product features, regulatory requirements and market conditions can change without notice. Information may become outdated or incomplete and should not be relied on without obtaining current advice specific to your situation.

Third-party links and tools

This website may link to third-party websites, booking tools, calculators, lender resources or regulatory information. Those websites and tools are not controlled by us and may change without notice. We are not responsible for third-party content, availability, security or accuracy.

Seek advice before acting

You should obtain advice that is specific to your personal, business or project circumstances before making lending or financial decisions. You may also need independent legal, tax, accounting, valuation, quantity surveying or property advice.