Who is responsible for this website
This website is operated for the How Much Can I Borrow service. Privacy enquiries can be sent to hello@howmuchcaniborrow.co.nz.
Privacy policy
How your information is handled
This page explains what information may be collected, why it is collected, how it may be used, and how to ask for access or correction.
Policy details
Privacy details
What information may be collected
We may collect your name, email address, mobile number, preferred region, borrowing pathway, target purchase amount, estimated borrowing range, and information you enter about income, expenses, debts, deposit, KiwiSaver, property value, mortgage balance, rent, or equity.
Why information is collected
Information is used to calculate an indicative borrowing estimate, record your report request, answer enquiries, support adviser follow-up where requested, improve the website, prevent misuse, and meet legal or operational requirements.
How information may be shared
Information may be shared with trusted service providers that host the website, store lead records, process forms, send notifications, provide analytics, or support adviser follow-up. Those providers may process information in New Zealand or overseas depending on their infrastructure.
Marketing and follow-up
If you request a report or adviser contact, your details may be used to follow up about that enquiry. Any broader marketing should include a practical way to opt out or unsubscribe.
Storage and retention
Information is kept only for as long as reasonably needed for enquiry handling, adviser follow-up, operational records, legal obligations, and abuse prevention. Records that are no longer required should be deleted or de-identified.
Security
Borrowing details can be sensitive. The site uses server-side lead capture and should keep service-role credentials out of client-side code. No website can guarantee perfect security, so avoid entering information you are not comfortable submitting online.
Access and correction
Under the Privacy Act 2020, you can ask to access personal information held about you and request correction if it is wrong. Contact the service email above for privacy requests.
Complaints
If you are not satisfied with how a privacy request is handled, you can contact the New Zealand Office of the Privacy Commissioner.
If you provide someone else’s information
Only enter another person’s details if you have permission or it is appropriate in the circumstances, such as entering household information for a joint borrowing estimate.
Terms of use
By using this website, you agree to enter accurate information, use the estimate as general information only, and seek personalised advice before making borrowing or property decisions.
Borrowing disclaimer
Any range or estimate on this website is indicative only. It is not financial advice, an offer of finance, pre-approval, or lending approval. Final outcomes depend on lender policy, verification, valuation, credit conduct, income, expenses, deposit source, and your full situation.