Website Disclaimer

General Information Only

HomeEquityRelease.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA), trading as Evolve. The general information provided on this website is for informational purposes only and does not constitute personalised financial advice, legal advice, or tax advice. Content is intended to help you understand reverse mortgages, home reversion, and related options in New Zealand. Personalised financial advice is provided by Evolve's licensed advisers. You should also obtain independent legal and tax advice before making any decisions about these financial products.

Advisory Relationship

Browsing this website does not by itself create a financial advisory relationship. A personalised advice relationship with Evolve Group Limited begins when you submit an enquiry and engage Evolve's licensed advisers, who provide advice tailored to your individual circumstances and give all recommendations in writing.

Accuracy of Information

While we make reasonable efforts to ensure the accuracy of information, we do not guarantee that all content is complete, current, or error-free. Providers may update their terms, rates, or eligibility criteria without notice.

Third-Party Lenders

Reverse mortgage and equity release products are issued by the relevant lenders (such as SBS Bank and Heartland Bank). Evolve Group Limited acts as your financial adviser, not the lender. We are not responsible for the services, products, or information provided by those lenders, and you should confirm all product details directly with the lender before proceeding.

Liability

To the fullest extent permitted by New Zealand law, we disclaim all liability for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website. Nothing in this Disclaimer limits rights you may have under the Consumer Guarantees Act 1993 (if applicable).

FMA Regulation & Licensed Lenders

This website is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA) under the Financial Markets Conduct Act 2013. Reverse mortgage and home reversion lenders in New Zealand must also be registered as Financial Service Providers. You can check a provider's FSP registration number on the FMA register.

Commission Disclosure

Evolve Group Limited may receive commission from lenders or providers (such as SBS Bank and Heartland Bank) when you proceed with a product. Evolve does not receive volume‑based or sales target‑based payments. Evolve provides all recommendations in writing. Full commission details will be disclosed to you before you proceed with any product.

Risk Warnings

Compound Interest Risk: Interest on reverse mortgages compounds annually and can significantly reduce your home's equity over time.
Inheritance Impact: These products will reduce the value of your estate available to your beneficiaries.
Long-term Commitment: These are long-term financial commitments with limited ability to reverse decisions without significant cost.

Getting Advice

Evolve Group Limited's licensed advisers can provide personalised financial advice about reverse mortgage, home reversion, and related products, with all recommendations provided in writing. Before entering into any such product, you should also obtain independent legal and tax advice from a qualified lawyer or tax specialist. Under the Credit Contracts and Consumer Finance Act 2003 (CCCFA), lenders must assess the suitability of these products for your circumstances.

Contact Us

This website is operated by Evolve Group Limited (FSP711891), licensed by the Financial Markets Authority. If you have questions about this Disclaimer, please contact us at hello@homeequityrelease.co.nz or call 0800 347 257 (Monday–Friday, 9am–5pm).