Privacy Policy

1. Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) (the Privacy Act) and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act and other applicable laws.

 

2. Who are we

references in this Privacy Policy to “we”, “us” and “our” means

Taranaki Home Loans acting through a Financial Adviser.

3. Your authorisation

By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.

 

4. Changes to our Privacy Policy

We may change our Privacy Policy from time to time, by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated Privacy Policy.

 

5. What personal information do we collect?

When we refer to personal information we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation. If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on (Products).

 

6. Why do we collect your personal information?

We collect your personal information for the purposes of our and relevant third parties’ services and relationship with you (refer to section 9 below: “Who do we disclose your personal information to?”). For example:

responding to your requests or inquiries;

providing services to you (e.g. to enable us to recommend Products to you);

sending communications and direct marketing to you about products and services we think may be of interest to you (whether through mail, telephone or electronic means (including email and SMS/MMS);

market research; and

any other purpose authorised by you or the Privacy Act.

If you do not wish to receive marketing information, you may ‘opt out’ at any time by notifying us. We may also collect personal information (including credit information and health information) on behalf of the lenders, insurers and other providers of Products that you choose to apply for

(Product Providers). Product Providers will have their own Privacy Policy that applies to the information that we collect on their behalf.

7. How do we collect your personal information?

Generally we will collect your personal information directly from you. For example, we collect your personal information directly from your use of our website and the information that you submit to the website. We also collect your personal information if you use the “contact us” functionality on our website and you provide the personal information during conversations between you and us.

We may also collect your personal information from:

NZ Financial Services Group Limited (NZFSG) and its related bodies corporate;

credit reporting agencies;

with your authorisation, banks (e.g. through the use of illion Bank Statements) and

employers;

Product Providers (e.g. during the term of any loan or insurance we have arranged on your behalf, in order to answer your queries or assist you with your financial arrangements as your circumstances change). If applicable, the Product Providers may also periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission to us over the term of your loan or insurance; and any other person authorised by you or the Privacy Act.

If you provide any personal information about anyone else to us, you confirm that you have collected that personal information in accordance with the Privacy Act and that the individual concerned has:

authorised the disclosure to us and the collection, use and disclosure of their personal information by us in accordance with this Privacy Policy; and

has been informed of their right to access and request correction of their personal information.

Updating your personal information

We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.

9. Who do we disclose your personal information to?

We may disclose your personal information to the following people if we consider it necessary to do so for the purposes described in section 6 above: NZFSG and its related bodies corporate;

Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance or insurance requirements (including a prospective lender’s mortgage insurer (if any), any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security and any trustee and any assignee or potential assignee of a lender’s or insurer’s rights);

our referral partners who can help you with other services;

contractors or service providers;

investors, or any entity that has an interest in our business or any entity to whom we consider assigning or transferring any of our rights or obligations or selling all or part of our business;

anyone who we are legally required or authorised to share your information with, including regulators and government agencies;

to auditors (such as NZFSG) to ensure we are providing services to you that are in your best interests, and in accordance with current regulations; your employer and referees, as well as credit reporting and identity verification agencies; and

any other person or entity authorised by you or the Privacy Act.

You acknowledge and agree that credit reporting agencies may hold your credit information (including default information) on their systems and use such information to provide their credit reporting services, which may include providing your credit information (including default information) to their customers. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment.

10. Do we disclose your personal information to anyone outside New Zealand?

We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside New Zealand. We may also disclose personal information to NZFSG and its related bodies corporate, and third party suppliers and service providers located overseas for some of the purposes listed above.

11. Our Website

Cookies and IP addresses

When you access our website, we may send a “cookie” (which is a small summary file containing a unique ID number) to your computer. This enables us to recognise your computer each time you visit our website. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited, to measure transaction patterns, to analyse trends, administer the website, track users’ movements and gather broad demographic information. We use this to research our users’ habits so that we can improve our website and our service offering. Our cookies may record information such as your Internet Protocol (IP) address (that is, the electronic addresses of computers connected to the internet), your device and browser type, operating system, the pages or features of our site to which you have browsed and the time spent on those pages or features, the frequency with which the site is used by you, the search terms that you have used, the links on our site that a you have clicked on or used, and other usage statistics.

While our cookies do not collect personal information, if you submit your name and email address as part of your usage, then we will link that personal information with the cookies information that we have previously collected from you. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.

Security

As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.

Links and third party advertisements

Our website may contain links to other websites operated by third parties. Our website may also display advertisements, which are hosted by third parties. We make no representations or warranties in relation to the privacy practices of any third party website or advertisement providers and we are not responsible for other privacy policies or the content of any third party website or advertisements. Third party websites are responsible for informing you about their own privacy practices. Our online advertising network partner may use cookies, web beacons or other web tracking techniques to collect non-personally identifiable information about your activities on the website and other websites that you may visit to provide you targeted advertising based upon your interests.

12. Are you required to provide personal information to us?

You are not required to provide any personal information to us but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance, insurance and other Products from Product Providers. In most circumstances it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers. You may choose to interact with our website anonymously, but we will not be able to contact you unless you provide your personal information.

13. Access and correction to your personal information

You may access and request correction of any of the personal information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.

14. Further information

If you have any questions, concerns or requests regarding this Privacy Policy or your personal information, please contact:

Taranaki Home Loans
85 Gover Street
New Plymouth, New Zealand

Phone: 022 163 1788
Email: rupert.hunt@taranakihomeloans.co.nz

This Privacy Policy was last updated on August 2025

How to Make a Complaint

At Taranaki Home Loans, we work hard to give you a service that’s reliable, supportive, and easy to understand. But if something doesn’t feel right, we want to hear about it.

Step 1: Let’s Talk

The first step is to get in touch. We’ll do our best to sort things quickly and fairly.

You can contact us by:

Phone: 022 162 9559 

Email: rupert.hunt@taranakihomeloans.co.nz

In person or by post: 49 Currie Street

Please include your name, how we can contact you, and what your complaint is about.

Step 2: We’ll Look Into It

We’ll acknowledge your complaint within 2 working days. Then we’ll:

Investigate what’s happened

Talk with you about what we find

Aim to resolve the issue within 10 working days

If it takes longer, we’ll let you know why and keep you updated.

Step 3: If You’re Still Not Happy

If we can’t sort things out, or if you’re not satisfied with the outcome, you can take your complaint to our independent disputes resolution service:

Financial Services Complaints Limited (FSCL)
Phone: 0800 347 257
Website: www.fscl.org.nz

Email: complaints@fscl.org.nz

FSCL is free, independent, and will help resolve the issue fairly.

Need help?
If you’re unsure how to make a complaint or need support, just give us a call. We’re here to help

Publicly Available Disclosure 

This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014, to help you decide if you want to seek our advice. 

• Full Name: Rupert Hunt 

• Phone: 022 162 9559 

• Email: rupert.hunt@taranakihomeloans.co.nz 

• FSPR Number: 1010354 

• Name of Financial Advice Provider: Taranaki Home Loans Limited 

• Trading as: Taranaki Home Loans Limited 

• FSPR Number: 1010356 

• Address: 85 Gover St, New Plymouth 4310 

• Email: rupert.hunt@taranakihomeloans.co.nz 

My Financial Advice Provider is a member of: NZ Financial Services Group Limited 

Licensing Information 

My Financial Advice Provider is authorised to provide a financial advice service under a current Financial Advice Provider licence issued by the Financial Markets Authority in the name of: 

NZ Financial Services Group Limited 

FSPR Number: 286965 

We operate as an Authorised Body under a Financial Advice Provider licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (NZFSG) (FSP286965). 

There are no conditions attached to this licence on the advice that may be given. 

Our Duties 

Taranaki Home Loans, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013. 

These duties are to: 

• Meet the standards of competence, knowledge, and skill, and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. 

• Give priority to your interests. 

• Exercise care, diligence, and skill. 

 

Our Products and Product Providers 

We provide advice to our clients about loan products. We provide advice about products from certain providers. 

lenders we work with: 

AIA Go Home Loan, ANZ, ASB, ASAP Finance Limited, Avanti Finance, Bank of China, Basecorp Finance, BIZCAP, BNZ, CFML, China Construction Bank (New Zealand) Limited, Cressida Capital, DBR, Finbase, First Mortgage Trust, General Finance, Heartland Bank, Industrial and Commercial Bank of China (New Zealand) Limited, Kiwibank, Liberty Financial Limited, Midlands Funds Management, Pallas Capital, Pepper Money, PROSPA, RESIMAC, SBS Bank, Select Home Loan, The Co-operative Bank, TSB, Unity, Westpac. 

The specific product types and product providers each adviser can give advice on will be disclosed at an adviser level in their individual Disclosure Guide. Our advisers will provide their individual Disclosure Guide to you when you engage them, or you can request a copy from them at any time. 

 

Fees and Expenses 

Generally, we won’t charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on settlement. 

 

Commissions and Other Incentives 

If you proceed with a product on the basis of financial advice given by your adviser, the adviser, adviser business, and/or the licensee usually receives commission on settlement of a loan. We may also receive a commission payment or referral fee for business referred to other businesses. 

The types of payments that may be received include: 

• Upfront commission (calculated as a percentage of the first year’s premium in the case of insurance products, or a percentage of the loan at drawdown in the case of a loan). 

• Renewal or trail commission (calculated as a percentage of the premium paid for each year the policy is in force in the case of insurance products, or a percentage of the loan outstanding at the relevant time in the case of a loan). 

 

Fees and Expenses
Generally, we won’t charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on settlement of a mortgage. There are some exceptions to this general position which are explained below.

We may charge you a one-off fee in the following situations:

(a) No commission: If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services and would be based on an estimate of the time spent providing the advice.

This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers.

Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment.

Commissions and other incentives

If you proceed with a product on the basis of financial advice given by your adviser, the
adviser, adviser business, and/or the licensee usually receives commission on settlement of a loan. We may also receive a commission payment or referral fee for business referred to other businesses.

The types of payments that may be received include:

• Upfront commission (calculated as a percentage of the first year’s premium (in the case of insurance products) or a percentage of the loan at drawdown (in the case of a loan).
• Renewal or trail commission calculated as a percentage of the premium paid for each year the policy is in force (in the case of insurance products) or a percentage of the loan outstanding at the relevant time (in the case of a loan).
• Fixed rate roll over fee (from some product providers if we assist in refixing your loan).
• Referral fees.
• Other incentives or rewards, for example gifts or tickets to events.

Further information about the commissions and incentives that are relevant to the advice
you may receive, including the maximum percentages used to calculate the commissions, will be given to you by your Financial Adviser.

This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority.

Conflicts of Interest

We may attend events hosted by industry associations, product providers, and NZFSG, at
which product providers discuss and provide information about their products. We manage this potential conflict of interest by ensuring we follow an advice process that ensures we prioritise your interests and recommend products that are suitable for you regardless of the information received at such events.
We take steps to ensure that the conflicts of interest, including receipt of commissions or
other incentives, does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive.

We do this by:

• Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals.
• Ensuring our advisers receive regular training on how to manage conflicts of interest.
• Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser’s personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process.

If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser’s Disclosure Guide.

 

A mortgage broker in NZ compares lenders, negotiates rates, and helps you through the loan process. Taranaki Home Loans specialises in guiding clients through these steps.

Most mortgage broker services are free to clients because they’re paid by the bank. At Taranaki Home Loans, our advice is free for buyers.

Yes. Mortgage brokers like Taranaki Home Loans provide free advice and support tailored to your situation.

Usually nothing. Most are paid by the lender, not the client. Taranaki Home Loans provides clear advice with no hidden costs.

Home loan rates vary between banks and depend on fixed or floating terms. Taranaki Home Loans compares rates across all major banks.

ANZ offers fixed and floating rates that change with the market. Taranaki Home Loans can check if ANZ’s rates are competitive for your situation.

BNZ provides competitive fixed and floating options. Taranaki Home Loans compares BNZ against other lenders to find the best fit.

ASB rates are regularly updated and may include special offers. Taranaki Home Loans negotiates with ASB and other banks on your behalf.

A mortgage calculator estimates repayments based on loan size, term, and interest rate. Taranaki Home Loans also provides personalised repayment modelling.

It calculates your weekly, fortnightly, or monthly repayments at different rates. A broker like Taranaki Home Loans can run more detailed scenarios.

ASB’s calculator is one option, but Taranaki Home Loans can compare calculations across multiple banks.

It helps plan affordability and budgeting before applying for a loan. Taranaki Home Loans can double-check results to ensure accuracy.

Start with pre-approval, work with a lawyer, and complete due diligence before making an offer. Taranaki Home Loans helps guide you through each step.

Key steps include pre-approval, finding a property, completing checks, and settlement. Taranaki Home Loans makes the finance process clear and stress-free.

Budget for deposit, legal fees, insurance, and ongoing costs. Taranaki Home Loans helps first-home buyers plan ahead.

It’s the process of checking a property’s legal, structural, and financial details before confirming your purchase. Taranaki Home Loans works alongside your lawyer to ensure nothing is missed.

A LIM report, title check, building inspection, and financial review. Your broker at Taranaki Home Loans can highlight what lenders will look for.

Most buyers need 20%, though first-home buyers may qualify with 5–10% under Kāinga Ora schemes. Taranaki Home Loans can check eligibility.

At least 20% is standard, but options exist for lower deposits. Taranaki Home Loans can advise which lenders accept smaller deposits.

KiwiSaver savings can usually be withdrawn if it’s your first home, with some restrictions. Taranaki Home Loans helps prepare the paperwork.

Yes. Eligible first-home buyers can use KiwiSaver savings and apply for a Kāinga Ora grant. Taranaki Home Loans can confirm your options.

It’s confirmation from a lender of how much you can borrow, subject to conditions. Taranaki Home Loans manages pre-approvals for clients.

Typically 60–90 days. Taranaki Home Loans tracks expiry dates and helps renew them if needed.

No. Final approval depends on the property, valuation, and updated financial checks. Taranaki Home Loans helps ensure your finance conditions are met.

Yes, many lenders allow split loans to combine stability and flexibility. Taranaki Home Loans helps design the right structure for your goals.

Your loan will automatically move to a floating rate unless you refix or restructure. Taranaki Home Loans reviews loans before terms expire to find better deals.

Legal fees, building reports, insurance, rates, moving costs, and sometimes valuation fees. Taranaki Home Loans helps you budget for these.

Usually between $900 and $2,500. Taranaki Home Loans works with trusted local lawyers.

It’s not compulsory but highly recommended to avoid unexpected repairs. Taranaki Home Loans encourages clients to include this in due diligence.

No. Moving expenses must be covered separately. Taranaki Home Loans reminds clients to plan for these costs.

They’re based on the loan amount, interest rate, and loan term. Taranaki Home Loans models repayment scenarios for clients.

Yes. Weekly or fortnightly payments can help reduce interest over time. Taranaki Home Loans shows how small changes can save money.

Your bank may charge fees and interest, and repeated missed payments could affect your credit. Taranaki Home Loans helps set up automatic payments to avoid this.

Options include refinancing, extending your loan term, or adjusting repayment frequency. Taranaki Home Loans reviews loans to find the best strategy.

 

It means replacing your current loan with a new one for better rates, terms, or structure. Taranaki Home Loans actively monitors client loans to spot opportunities.

At least very 1–3 years, or whenever interest rates or your circumstances change. Taranaki Home Loans reviews loans regularly for clients.

Possible break fees, legal costs, and valuation fees. Taranaki Home Loans checks whether savings outweigh costs.

To get better rates, cashback offers, or more flexible loan structures. Taranaki Home Loans manages the switch from start to finish.

Through a top-up loan, refinancing, or restructuring your mortgage. Taranaki Home Loans helps find the safest option.

Common uses include renovations, investments, or debt consolidation.

A short-term loan that helps you buy a new property before selling your current one. Taranaki Home Loans explains if this is the right solution.

Usually up to six months. Taranaki Home Loans helps manage timing and risk.

Yes, they often carry higher interest rates than standard loans. Taranaki Home Loans compares bridging finance with alternatives.

Yes. A lawyer or conveyancer must handle contracts and settlement. Taranaki Home Loans works alongside your lawyer to ensure finance is ready on time.

You move in, start repayments, and cover ongoing costs like insurance and rates. Taranaki Home Loans continues to support you after settlement.

Usually within a few days or weeks. Taranaki Home Loans helps set up repayments correctly.

Generally no, except for new builds or returning NZ citizens and residents. Taranaki Home Loans can confirm eligibility.

Often 20–30% or more. Taranaki Home Loans helps buyers plan their deposit.

Certified ID, proof of income, bank statements, deposit evidence, and compliance documents. Taranaki Home Loans helps prepare paperwork.

Yes, by a notary, lawyer, or authorised official. Taranaki Home Loans confirms requirements with lenders.

Yes. We actively monitor loans and recommend changes when savings are possible.

Yes. We guide buyers through each step with clear, local advice.

Yes. We work with lenders who specialise in expat and overseas buyer loans.