Information & Referral Disclosure
Please read this important information about the nature of our services, our regulatory status, and how we operate under New Zealand law.
Last Updated: 13 July 2026
Important Notice
First Home Buyers Guide NZ limits this product to general information, planning estimates and user-initiated contact requests. FHBG is not presenting itself as a financial adviser or lender. This page does not claim a statutory exemption or replace legal advice about a future commercial referral model.
Current Operating Boundary
FHBG currently publishes general buyer information and software-generated planning estimates. It may record a user's explicit request to be contacted, but a regulated or commercial referral service must not be represented as active until the relevant legal basis, partner acceptance and disclosure terms are documented.
What This Means
We can provide educational information about home buying
We can help you prepare questions for professionals you verify independently
We can provide calculators and tools for educational purposes
We cannot provide personalised financial advice
We cannot recommend specific financial products
Our role is to provide education and help you prepare questions for professionals you verify independently. We do not assess your individual circumstances or make recommendations about what you should do.
Not Financial Advice
Important Legal Statement
The information provided on this website is for general educational purposes only. It does not take into account your personal financial situation, objectives, or needs. It should not be considered financial advice, and you should not rely on it when making financial decisions.
What We Provide
- General information about the home buying process in New Zealand
- Educational calculators that provide estimates only
- Guides and resources about mortgages, deposits, and property
- Provider-verification checklists for independent research
What You Should Do
Before making any financial decisions, we strongly recommend that you:
- Consult with a registered financial adviser
- Speak with a mortgage adviser or lender about your specific situation
- Engage a property lawyer before signing any contracts
- Consider seeking independent legal and financial advice
Calculator Disclaimer
Our calculators (borrowing power, deposit savings, etc.) provide estimates based on the information you enter and general assumptions. They do not account for your complete financial situation, lender-specific criteria, or future changes in interest rates or market conditions. The results should be used as a guide only.
Commission Disclosure
FHBG has no active commission relationship, provider panel, or paid handoff. No active commission relationship should be inferred. Contact and pack requests remain first-party FHBG records.
Commercial status
No fee amount, payment trigger, provider panel or acceptance condition is published until it exists in an auditable partner record. Any future disclosure will identify who pays, what event triggers payment and whether the user bears a separate provider cost.
Important Points
- No provider receives a request from the current public flow
- No provider fee or user cost is represented by FHBG
- A future commercial relationship would require an updated disclosure before activation
- FHBG does not call a provider accepted until scope, conditions and disclosure terms are recorded
Our Commitment
FHBG will not rank, recommend or route to a provider on the basis of an undisclosed payment. Until a compliant partner pilot is accepted, contact requests remain first-party records rather than evidence of a completed referral.
Partner Relationships
FHBG is researching potential independent partners. A directory mention, contact request or outreach draft does not prove a provider has joined, accepted leads or agreed commercial terms.
Independent Service Providers
Any service provider introduced in future would be an independent business. FHBG does not control its lending criteria, fees, advice, or service quality.
Your Responsibility
We recommend that you conduct your own due diligence before engaging any service provider. This includes checking their credentials, reading reviews, and ensuring they are the right fit for your specific needs.
Accuracy of Information
FHBG dates and sources material claims where verification exists. Legacy or unverified fields are labelled illustrative or archived/noindexed rather than presented as current. Property markets, interest rates, policy and lending criteria can change without notice.
Verification: We recommend verifying current interest rates with lenders directly and seeking current professional advice before making any commitment.
Limitation of Liability
To the maximum extent permitted by New Zealand law, we provide our services "as is" without warranties of any kind. We are not liable for any decisions you make based on information from our website.
Your Protection
You can protect yourself by seeking independent professional advice and verifying information directly with relevant authorities before making financial decisions.
Questions?
If you have questions about this disclosure, our operating boundary or a commercial handoff, use the FHBG contact form. FHBG does not claim a separate legal team or unpublished response channel.