Disclaimer
Important information about the content on this website.
General Information Only
The content on this website — including page content, blog articles, and guides — is general information only. It does not take into account your individual financial situation, objectives, or needs, and is not personalised financial advice. Personalised advice is only provided once you engage directly with one of our advisers, who will consider your specific circumstances.
Calculator Results Are Estimates Only
The repayment, borrowing power, deposit, refinance savings, and budgeting calculators on this website produce indicative figures based on the information you enter. They are not a loan offer, pre-approval, or formal quote, and do not guarantee that any lender will approve your application. Actual rates, fees, and borrowing capacity depend on a full application, credit assessment, and each lender's own criteria — always confirm current numbers with your adviser before relying on a calculator result.
Rates, Schemes and Content May Change
Interest rates, lender policies, and government scheme criteria (such as KiwiSaver withdrawals, the First Home Grant, and Kāinga Ora schemes) change over time. Website and blog content reflects our understanding at the time it was published and may not reflect the most current terms. Always confirm current rates and eligibility with your adviser or the relevant scheme provider before making a decision.
External Links
This website links to third-party sites — including lenders, Kāinga Ora, and the Financial Service Providers Register — for your convenience. We don't control these external sites and aren't responsible for their content, accuracy, or availability.
Limitation of Liability
To the extent permitted by law, AML Financial Services Ltd excludes liability for any loss arising from reliance on the general information published on this website. AML Financial Services Ltd. is not a bank or deposit-taking institution, and past performance is not indicative of future results.
Questions About Our Advice or Fees
For information about our duties, how we're paid, and our complaints process, see our Publicly Available Disclosure. If anything on this website is unclear, contact us at support@amlhomeloans.co.nz or 0800 396 396.