The views expressed and information contained on this page are general in nature and are not intended as advice. It may not be
relevant to individual circumstances you should consult a professional adviser before making any investment, insurance or financial
planning decision. Copies of our disclosure statements are available on request, free of charge. Opinions expressed are of the
individual only and don’t necessarily reflect the opinions of New Zealand Home Loans. New Zealand Home Loans and its
subsidiaries take no responsibility for any views or information provided on this page.