Savvy Mortgages Limited Last updated: April 2025
These Terms and Conditions govern your use of the Savvy Mortgages website (www.savvynz.co.nz) and the financial advice services we provide. By using our website or engaging our services, you agree to these terms. Please read them carefully.
1. About Us
Savvy Mortgages Limited trading as Savvy Mortgages (FSP1009206) is a New Zealand registered company and a licensed Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA).
Address: 59A Caronia Crescent, Lynfield, Auckland 1042 Phone: +64 21 781 774 Email: nitin@savvynz.co.nz
2. Our Services
Savvy Mortgages provides financial advice on mortgage products and consumer credit contracts. We work with a panel of lenders to find lending solutions suited to your needs and circumstances.
We do not provide advice on investment products, KiwiSaver, general insurance, personal risk insurance, or estate planning. Where relevant, we refer clients to suitably qualified third-party advisers for these matters.
Our full scope of advice is outlined in our Company Disclosure, which forms part of the information we provide to you as a client.
3. Your Obligations
When engaging our services, you agree to:
- Provide accurate, complete, and up-to-date information when requested
- Notify us promptly if any information you have provided changes
- Not misrepresent your financial position, identity, or circumstances
- Use our website and services only for lawful purposes
We rely on the information you provide to give you appropriate advice. If the information provided is inaccurate or incomplete, we cannot be held responsible for advice given on that basis.
4. Our Obligations
Savvy Mortgages is committed to acting in your best interest at all times. We will:
- Provide advice that is suitable for your individual needs and circumstances
- Be transparent about the commissions and fees we receive
- Handle your personal information in accordance with our Privacy Policy and the New Zealand Privacy Act 2020
- Maintain the standards required under our FAP licence and the Financial Markets Conduct Act 2013
5. Fees and Commissions
Our fee structure is detailed in full in our Company Disclosure. In summary:
- We do not charge fees in most cases, as we receive commission from lenders on settlement
- Fees may apply in certain circumstances including complex applications, clawback situations, or where no commission is received
- Any fees applicable to your situation will be discussed and agreed with you in writing before work proceeds
6. Website Use
By using www.savvynz.co.nz, you agree to the following:
General use You may use our website for personal, non-commercial purposes only. You must not use the website in any way that is unlawful, harmful, or disruptive to others.
Accuracy of information The content on our website is provided for general information purposes only. It does not constitute financial advice. While we take reasonable care to keep information current and accurate, we make no guarantees about its completeness or suitability for your specific situation.
Third-party links Our website may contain links to third-party websites. These are provided for convenience only. Savvy Mortgages is not responsible for the content, accuracy, or practices of any third-party websites.
Intellectual property All content on this website including text, images, logos, and design is the property of Savvy Mortgages Limited. You may not reproduce, distribute, or use any content without our prior written permission.
7. Limitation of Liability
To the extent permitted by New Zealand law, Savvy Mortgages will not be liable for:
- Any loss or damage arising from your reliance on general information published on our website
- Any indirect, consequential, or incidental loss arising from the use of our services
- Any loss resulting from inaccurate or incomplete information provided by you
- Interruptions to our website or services due to factors outside our control
This does not limit any rights you have under the New Zealand Consumer Guarantees Act 1993 or the Financial Markets Conduct Act 2013.
8. Complaints
If you are unhappy with our service, we want to hear from you. Please contact us at:
Email: nitin@savvynz.co.nz
We will acknowledge your complaint within 1 working day and aim to resolve it within 7 working days. If we are unable to resolve your complaint directly, you may refer it to Financial Services Complaints Limited (FSCL):
Phone: 0800 347 257 Email: complaints@fscl.org.nz Website: www.fscl.org.nz Post: FSCL, PO Box 5967, Wellington 6011
FSCL is an independent, not-for-profit dispute resolution scheme. Their service is free to you.
9. Privacy
We collect and handle your personal information in accordance with our Privacy Policy and the New Zealand Privacy Act 2020. By using our website or engaging our services, you consent to this. Our full Privacy Policy is available on our website.
10. Changes to These Terms
We may update these Terms and Conditions from time to time. Any changes will be posted on this page with an updated date. Continued use of our website or services after changes are posted means you accept the updated terms.
11. Governing Law
These Terms and Conditions are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of the New Zealand courts.
12. Contact Us
If you have any questions about these terms, please contact us:
Savvy Mortgages Limited 59A Caronia Crescent, Lynfield, Auckland 1042 Phone: +64 21 781 774 Email: nitin@savvynz.co.nz Website: www.savvynz.co.nz
