Terms of Service

Check Your Financial Readiness Score in Minutes for Mortgages, Insurance and KiwiSaver.

Introduction

Welcome to the website of Zigi Financial Services Limited trading as Advisenow (FSP1007853) (“Advisenow”, “we”, “us”, or “our”).

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, you must not use this website.

These Terms should be read alongside our Privacy Policy.

Use of Website

This website is intended to provide general information about our mortgage, insurance, and financial advisory services.

You agree to use this website:

For lawful purposes only
In a way that does not infringe the rights of others
Without attempting to compromise the website’s security or functionality

You must not:

Attempt to gain unauthorised access to any part of the website or systems
Transmit harmful or malicious content
Use this website in any way that may damage or impair its performance

No Financial Advice Disclaimer

The information on this website is general in nature and does not constitute personalised financial advice.

Any financial decisions should be made only after:

Obtaining tailored advice from a qualified financial adviser
Considering your personal financial situation, goals, and needs

Advisenow accepts no liability for reliance on information contained on this website without seeking professional advice.

Intellectual Property

All content on this website, including text, branding, logos, graphics, and design, is the property of Advisenow unless otherwise stated.

You may:

View and download content for personal use

You may not:

Copy, reproduce, distribute, or modify content without our prior written consent

Privacy and Personal Information

We collect, use, and store personal information in accordance with the New Zealand Privacy Act 2020 and our Privacy Policy.

By using this website, you acknowledge that:

You may provide personal information voluntarily
We may use your information to contact you, provide services, and improve our offerings

For full details, please refer to our Privacy Policy.

Third-Party Links

This website may contain links to third-party websites.

We:

Do not control or endorse those websites
Are not responsible for their content or privacy practices

You access third-party sites at your own risk.

Security and Internet Use

While we take reasonable steps to maintain secure systems:

Information transmitted over the internet is at your own risk
We cannot guarantee complete security of data transmissions

We may use cookies and third-party tools to:

Monitor website usage
Improve performance
Prevent unauthorised access

Limitation of Liability

To the maximum extent permitted by law:

Advisenow is not liable for any loss, damage, or expense arising from use of this website
This includes direct, indirect, or consequential loss

This limitation applies even if we have been advised of potential loss.

Availability of Website

We do not guarantee that:

The website will always be available
The website will be free from errors or interruptions

We may update, suspend, or withdraw the website at any time without notice.

Changes to These Terms

We may update these Terms of Use at any time by publishing revised terms on this website.

Continued use of the website indicates your acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of New Zealand.

Any disputes will be subject to the jurisdiction of New Zealand courts.

Contact Us

If you have any questions regarding these Terms of Use, please contact us through our website: www.advisenow.co.nz

Effective Date: 30-04-2026

Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.

Home Loan Products

Resources

Company

Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.

Personal Budget Planner

Bring your income, bills, everyday spending and savings goals into one clear plan. Enter each amount in the frequency you actually pay it, and we will convert everything into a consistent budget view.

Your figures stay in your browser

Build your budget

Use after-tax income and the amount that normally leaves your account.

Results view

Current emergency savings

Cash you could access for an unexpected expense or income interruption.

Emergency-fund target A guide only. Your ideal buffer depends on job security, dependants and other support.

Your budget snapshot

Updates automatically as you change the figures.

Available after planned spendingBalanced

per month

Total income$0per month

Total outgoings$0per month

Planned savings rate0%goals ÷ income

Annual cash-flow$0estimated surplus or shortfall

0budget score

Start entering your figures

A positive buffer and consistent savings plan can help absorb irregular costs and reduce financial stress.

Where your income is going50/30/20 is a guide, not a rule

Needs

Wants

Goals

Emergency-fund guide6 months

Suggested target$0

Current gap$0

Target funded0%

Time using surplus—

Your budget is an estimate. Remember to allow for irregular costs such as vehicle repairs, school expenses, medical costs and annual subscriptions.

Turn your budget into a financial plan

Ready to make your money work harder?

An Advisenow financial adviser can help you review your mortgage, insurance and KiwiSaver alongside your cash flow, so your day-to-day budget supports the future you are building.

Call or text: 028 8520 0500 pamela@advisenow.co.nz

Book a free financial check-in

This budget planner provides estimates and general information only. It does not constitute personalised financial advice, tax advice, lending advice or a guarantee of any financial outcome. Figures are based solely on the information entered and may not include every expense, fee, tax, interest charge or change in circumstances. The 50/30/20 split and emergency-fund figures are general guides, not recommendations. Consider your full circumstances and seek personalised advice from a licensed financial adviser before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

Mortgage Borrowing Power Calculator

Get an indicative estimate of how much you may be able to borrow, your possible property budget and the repayments that could follow.

Instant estimate NZ-focused inputs No data stored

Step 1

Tell us about your monthly position

Use after-tax income from your payslip or regular business drawings. Results update automatically.

Household take-home income per month

After tax, KiwiSaver and student-loan deductions.

Other regular income per month

For example, boarder, rental or regular allowance income.

Available deposit or equity

Living expenses per month

Include food, utilities, transport, childcare and regular household costs.

Existing debt repayments per month

Personal loans, car finance, buy-now-pay-later and other commitments.

Total credit-card limits

The full limits, not only current balances.

Monthly safety buffer to keep

A personal margin you do not want committed to mortgage repayments.

Assessment assumptions

Assessment rate

Loan term

years

Indicative repayment rate

Step 2

Your indicative estimate

This is a starting point. Individual lenders apply different income, expense and servicing rules.

Estimated borrowing power $0

Indicative only, not a loan offer or pre-approval.

Available repayment capacity 0%

Estimated property budget $0

Indicative monthly repayment $0

Amount available for a new mortgage $0

Indicative lender range $0–$0

Monthly affordability snapshot

Recognised income

Expenses and commitments

Available for mortgage

Calculation uses your take-home income, recognises 80% of other income, applies an indicative monthly commitment equal to 3% of total credit-card limits, and deducts your nominated safety buffer. Lenders may treat every item differently.

Turn your estimate into a lender-ready plan

A calculator cannot assess every lender’s policy, your employment type, deposit source or full financial story. Let Advisenow compare the options and help you prepare for pre-approval.

Call or text 028 8520 0500 pamela@advisenow.co.nz

Check my real borrowing power Personalised guidance from a licensed financial adviser

This calculator provides an indicative estimate for general information only. It is not personalised financial advice, a loan offer, pre-approval or a guarantee that any lender will approve an application. Actual borrowing capacity depends on lender policy, verified income, household composition, expenses, debts, credit history, deposit, property type, interest-rate testing and other factors. Other income is shaded to 80% and credit-card limits are assessed at 3% per month solely for this calculator. Results may differ materially from lender calculations. Consider personalised advice before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.