Terms of Service

Acceptance of Terms

By accessing and using the Sunshine Mortgages website (sunshinemortgages.co.nz) and our services, you accept and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.

Our Services

Sunshine Mortgages Ltd provides mortgage advisory and brokerage services. We compare lending products from a panel of lenders to recommend options suited to your circumstances. Our advice is general in nature unless we have assessed your specific financial situation.

We are a licensed Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013. Our FSP number is FSP1003808.

No Guarantee of Outcomes

While we endeavour to find the best lending solution for your needs, we do not guarantee loan approval, specific interest rates, or any particular outcome. Lending decisions are made by the relevant product provider (bank or lender), and approval is subject to their criteria and policies.

Website Content

The information on this website is provided for general informational purposes only. It does not constitute financial advice. While we take reasonable care to ensure the accuracy of the content, we make no warranties or representations regarding the completeness, accuracy, or reliability of any information on this site.

Interest rates, product features, and lender policies referenced on this website are subject to change without notice. Always confirm current details with us or the relevant lender before making financial decisions.

Your Responsibilities

When using our services, you agree to:

• Provide accurate and complete information about your financial circumstances
• Promptly notify us of any changes to your circumstances that may affect your application
• Review all documents and disclosures provided to you
• Seek independent legal and financial advice where appropriate

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Sunshine Mortgages Ltd or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or use any content from this website without our prior written consent.

Limitation of Liability

To the fullest extent permitted by New Zealand law, Sunshine Mortgages Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Our total liability in connection with our services shall not exceed the fees (if any) paid by you to us for those services.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or accept responsibility for the content, privacy policies, or practices of any third-party websites.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the New Zealand courts.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes take effect when posted on this website. Your continued use of our website and services after changes are posted constitutes your acceptance of the updated terms.

Contact Us

If you have any questions about these Terms of Service, please contact us at info@sunshinemortgages.co.nz or call 09 954 4963.