1. Financial Advice Provider Status
Finance and Beyond Limited (NZBN: 9429051632311, FSPR: FSP1010707) provides mortgage advisory services under the Financial Advice Provider licence held by Finsure NZ Ltd. (FSP1005389). Financial Adviser Farook Ketan (FSP1008737) provides regulated financial advice on behalf of the entity.
2. Accuracy and Subject to Lender Approval
While Finance and Beyond Limited makes every effort to ensure information on this website is accurate and current, interest rates, lender policies, and Reserve Bank of New Zealand (RBNZ) regulations change frequently. All mortgage pre-approvals, loan approvals, interest rates, and low-equity terms remain subject to full credit assessment, formal lender underwriting, property valuation, and verified financial documentation.
3. Statutory Guarantees & Limitation of Liability
To the maximum extent permitted by New Zealand law, Finance and Beyond Limited excludes liability for any loss or damage arising from reliance on website content. Nothing in this disclaimer limits obligations or statutory rights under the Fair Trading Act 1986, Consumer Guarantees Act 1993, or Financial Markets Conduct Act 2013.
4. Calculator and Estimator Tools
Calculators and estimation tools on this website (such as the New Zealand Home-Buying Costs Calculator) provide illustrative estimates only. They do not constitute formal quotes, loan pre-approvals, or binding offers of finance. Final loan terms depend on your verified financial profile and selected lender criteria.
5. Tax & Legal Advice Disclaimer
Finance and Beyond Limited does not provide tax, legal, or accounting advice. Clients should consult an independent registered tax agent or chartered accountant regarding property tax treatment (such as Bright-line tax rules, interest deductibility, or LTC structures) and a qualified solicitor for legal conveyancing.
6. Contact Information
If you have any questions regarding this disclaimer or our public disclosure statement, please contact us at:
