Terms and Conditions

By accessing or using the Zora Mortgages website at https://zoramortgages.co.nz, our online calculators, enquiry forms, or client portal (together, the "Site"), you agree to these Terms and Conditions. If you do not agree, please do not use the Site.

These terms apply in addition to any separate agreement or advice disclosure provided when you engage us for mortgage advisory services.

The Site is operated by Zora Mortgages, a licensed Financial Advice Provider (FSP1012583), based at Christchurch, Canterbury, New Zealand.

Content on the Site — including interest rates, calculator results, guides, and blog material — is provided for general information only. It is not personal financial advice and should not be relied on as a substitute for advice tailored to your circumstances.

Calculator outputs are estimates based on the inputs you provide and standard assumptions. Actual lending terms depend on lender policy, your financial position, and property details.

Interest rates displayed on the Site are indicative and may change without notice. Always confirm current rates and product terms with us or the relevant lender before making decisions.

If you create an account or submit a mortgage fact find through our portal, you agree to:

• Provide accurate and complete information to the best of your knowledge
• Keep your login credentials confidential and notify us of unauthorised access
• Upload only documents you are entitled to share
• Review and accept our Public Disclosure Statement before submitting an application

Submitting an enquiry or application does not guarantee loan approval. All lending is subject to lender criteria and formal approval.

You must not use the Site to:

• Violate any applicable law or regulation
• Attempt to gain unauthorised access to our systems or other users' accounts
• Transmit malware, spam, or harmful code
• Scrape, copy, or republish Site content for commercial purposes without consent
• Misrepresent your identity or affiliation with Zora Mortgages

We may suspend or terminate access to the Site or portal if we reasonably believe these terms have been breached.

Unless otherwise stated, all content on the Site — including text, graphics, logos, layout, and software — is owned by or licensed to Zora Mortgages and protected by New Zealand and international intellectual property laws.

You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, or modify Site content without our prior written permission.

The Site may link to external websites or tools operated by third parties (for example lender sites or rate data providers). We do not control and are not responsible for third-party content, availability, or privacy practices.

To the fullest extent permitted by law, Zora Mortgages makes no warranty that the Site will be uninterrupted, error-free, or free from security vulnerabilities. We are not liable for any loss arising from reliance on general information published on the Site.

Nothing in these terms excludes or limits rights or remedies you may have under the Consumer Guarantees Act 1993 or other law that cannot be excluded. Where liability cannot be excluded, our liability is limited to re-supplying the relevant service or, at our option, the cost of re-supply.

Our collection and use of personal information is described in our Privacy Policy. By using the Site you acknowledge that policy.

We may update these Terms and Conditions at any time by posting a revised version on this page. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

These terms are governed by the laws of New Zealand. You submit to the non-exclusive jurisdiction of the New Zealand courts.

Questions about these terms can be directed to:

Zora Mortgages
Christchurch, Canterbury, New Zealand
Email: info@zoramortgages.co.nz
Phone: 020 407 48057