Legal Disclaimer

We are not a lender or financial advisor.
We don’t lend money, approve loans, or offer financial advice. What we do is simple: we connect you with expert mortgage brokers who help you find the best loan options for your situation.

How Our Service Works

We connect borrowers with licensed mortgage brokers who help them explore mortgage options.

You answer a few quick questions.
 We match you with a broker suited to your situation.
They guide you through your options—no obligations, no pressure.

We’re here to connect you with expert mortgage advice—fast. The decision to apply, proceed, or accept any mortgage offer is 100% up to you.

No Guarantee of Approval

Using Mortgage Ninja does not guarantee mortgage approval.

Every lender has their own criteria—things like income, credit history, and deposit size all play a role. While we connect you with brokers who specialize in getting approvals, no one can guarantee a yes.

What we do guarantee?
You’ll get clarity on where you stand—fast.
You’ll be matched with an expert who understands your situation.
You’ll know your options before making any commitments.

No wasted time. No guesswork. Just real answers.

No Impact on Your Credit Score

Worried about your credit score? No need. Checking your eligibility through Mortgage Ninja will not affect your credit score in any way.

No hard inquiries. Your credit file stays touched.
No risk. You’re just getting answers—not applying for a loan yet.
No commitments. You’re in control of what happens next.

If you decide to move forward with a broker, only then might a lender run a credit check—but that’s always your choice.

Bottom line? You get clarity without any risk.

No Fees for Borrowers

Using Mortgage Ninja costs you nothing.

No signup fees.
No hidden costs.
No commitment—just answers.

We make money by connecting borrowers with brokers. That means our service stays 100% free for you. No pressure, no catch—just clarity on your mortgage options.

Want to move forward? It won’t cost you a cent.

No hard inquiries. Your credit file stays untouched.
No risk. You’re just getting answers—not applying for a loan yet.
No commitments. You’re in control of what happens next.

If you decide to move forward with a broker, only then might a lender run a credit check—but that’s always your choice.

Bottom line? You get clarity without any risk.

Accuracy of Information

Mortgage rules, interest rates, and lending criteria change all the time.

We work hard to provide accurate information, but the reality is: mortgage options can shift daily.

That’s why once you check your eligibility, a mortgage expert will confirm your real options in real-time.

No guessing.
No outdated info.
 Just the latest, most relevant options for your situation.

For the most up-to-date details, always confirm with your broker before making any decisions.

Third-Party Relationships

Mortgage Ninja connects you with expert mortgage brokers—but we don’t control their decisions, services, or lending terms.

We help you find the right broker.
They provide expert advice and mortgage solutions.
The final decision is always between you and the lender.

Every lender has their own approval process. Our job is to match you with the best possible options—but the final call is up to them.

Privacy & Data Protection

We take privacy seriously. Here’s what you need to know:

We don’t sell or misuse your data. Your information is only used to connect you with a mortgage expert.
We follow New Zealand’s Privacy Act 2020. Your details are handled in line with strict privacy standards.
We use secure systems to protect your information. While no system is 100% foolproof, we take reasonable steps to keep your data safe.

For full details, check out our Privacy Policy. Got questions? Reach out anytime.

 

Limitation of Liability

Mortgage Ninja provides information and connects borrowers with mortgage brokers, but we are not responsible for any decisions made by lenders or financial institutions.

 We do not guarantee loan approvals, interest rates, or specific mortgage terms.
Any decisions you make after using our service are your own responsibility.
 Mortgage Ninja is not liable for any financial loss, credit impact, or outcomes related to mortgage applications.

Use our service at your own discretion and always consult a licensed financial professional before making financial decisions.

Updates to This Disclaimer

Mortgage Ninja may update this page from time to time to reflect changes in our service, legal requirements, or privacy policies.

If any significant changes are made, we’ll update the date at the bottom of this page.
By continuing to use our service, you agree to the most recent version of this disclaimer.
We encourage you to review this page periodically to stay informed.

Got Questions? Here’s What to Do

Not sure about something? Check out our FAQs page—we cover everything.

Or, if you’re ready to stop guessing and start getting answers: