Affiliate Disclosure
Last updated: January 15, 2026
1. What Are Affiliate Relationships?
An affiliate relationship is a commercial arrangement where we earn a commission or fee when users take action through our links or referrals. This disclosure is provided in accordance with the Fair Trading Act 2020 and advertising standards in New Zealand.
We are committed to transparency and maintaining user trust. Any compensation we receive does not influence the accuracy of our calculator tools or the objectivity of our content.
2. Our Affiliate Partners
2.1 Mortgage Lenders & Brokers
Compensation: Commission per settled loan (approximately $500-$1500 per successful mortgage)
Relationship: Lead referral partner
How it works: When you apply for a mortgage through our referral link, we earn a commission if your loan is approved and settled.
Compensation: Lead referral fee ($50-$150 per qualified lead)
Relationship: Lead referral partner
How it works: We receive payment when we refer qualified leads to their broker service.
Compensation: Lead referral fee ($50-$150 per qualified lead)
Relationship: Lead referral partner
How it works: Leads are sent to their network for mortgage broker services.
Compensation: Lead referral fee ($50-$150 per qualified lead)
Relationship: Lead referral partner
How it works: We receive payment for qualified mortgage inquiries.
2.2 Insurance Providers
Compensation: Commission on insurance sales (8-10% of premium)
Relationship: Insurance affiliate network
How it works: Links to insurance products generate commission when users purchase policies.
2.3 Analytics & Advertising
Compensation: No direct compensation (free service)
Relationship: Analytics provider
How it works: We use Google Analytics to track website usage and improve user experience.
Compensation: CPM (cost per thousand impressions) and CPC (cost per click) advertising revenue
Relationship: Ad network partner
How it works: We display ads on our website and earn revenue when users view or click advertisements.
3. Does This Influence Our Calculator?
No. The accuracy and impartiality of our mortgage calculator are paramount. Our affiliate relationships do not influence:
- Interest rate data displayed (sourced from RatesAPI.nz)
- Calculation methodology or formulas
- Bank comparisons or rankings
- Information presented in our educational content
- Which brokers or lenders we recommend
We present all available options fairly. If you submit a lead form, you have the choice to work with any mortgage broker or lender, not just our affiliate partners.
4. Fair Trading Act Compliance
Under New Zealand's Fair Trading Act 2020, we are required to disclose:
- That we have financial interests in promoting certain services
- That we earn compensation from affiliate relationships
- That users should be aware of these relationships when making decisions
This disclosure meets our obligations under the Fair Trading Act and advertising standards in New Zealand.
5. Commission Structure Summary
| Partner Category | Partner Name | Commission Type | Approximate Amount |
|---|---|---|---|
| Mortgage Broker | EasyMortgage | Per settled loan | $500-$1500 |
| Mortgage Broker | Squirrel | Per qualified lead | $50-$150 |
| Mortgage Broker | Mike Pero | Per qualified lead | $50-$150 |
| Mortgage Broker | Loan Market | Per qualified lead | $50-$150 |
| Insurance | Commission Factory | Commission per sale | 8-10% of premium |
| Advertising | Ad Networks | CPM/CPC | Variable |
6. Your Rights as a User
When you use our website, you have the following rights:
- You are not obligated to use any affiliate links or referral services
- You can apply directly to banks or brokers without going through our site
- You can choose your own mortgage broker or lender
- You can request that your information not be shared with affiliate partners
7. How to Opt Out
If you do not wish to be referred to our affiliate partners:
- Do not submit the lead capture form
- Contact us directly to opt out of referrals
- Use our calculators for informational purposes only and apply directly to banks
8. Updates to This Disclosure
We may add, modify, or remove affiliate partnerships from time to time. We will update this disclosure to reflect any material changes. Please check this page periodically for the latest information about our affiliate relationships.
9. Questions About Affiliate Relationships?
If you have questions about our affiliate partnerships or how they work, please contact us:
- Email: nzmortgagecalculator@gmail.com
- Website: www.mortgagecalculator.nz
10. Try Our Free Tools
Use our independent mortgage calculators (no affiliate bias):
- Home Loan Calculator - Calculate mortgage repayments
- Affordability Estimator - Calculate borrowing capacity
- Bank Rate Comparison - Compare current NZ rates
- Refinance Analyzer - Should you switch banks?
- KiwiSaver First Home - Withdrawal calculator