The views expressed and information contained on this page is general in nature and is 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.