General information only
MoreGage content is general education. It is not personalised financial advice, legal advice, tax advice, credit approval, a lender offer, or a recommendation to use a lender, product, structure, or course of action.
No adviser relationship
Using the site, completing a calculation, joining an email list, or contacting MoreGage does not create a client, adviser, broker, agency, fiduciary, or lender relationship. MoreGage does not currently accept mortgage applications.
Your inputs and decisions
You are responsible for checking inputs and using current information. Do not rely on a tool result as a borrowing amount or approval. Obtain authorised advice for decisions that depend on your circumstances.
Fictional material
Case-study names, households, documents, transactions, outcomes, and timelines are invented. Similarity to a real person is coincidental. They may not be represented as real clients or MoreGage results.
Sources and updates
MoreGage aims to identify material sources and review dates, but data and policy can change. A source link does not mean the source endorses MoreGage. Report a correction through the Contact page.
Acceptable use
Do not attempt to upload sensitive information, interfere with the service, bypass access controls, scrape the site at a harmful rate, misrepresent fictional material as real, or reuse content in a misleading context.
Availability and liability
The site may be changed, withdrawn, or unavailable. To the extent permitted by New Zealand law, MoreGage is not responsible for decisions made from general material or for indirect loss arising from website use. Nothing in these terms excludes rights that cannot lawfully be excluded.
Draft for New Zealand legal review · Last updated 5 August 2026