Website Terms of Use

Home at Last
David Gribble – Senior Financial Adviser, FSP754331
Email: david@homeatlast.co.nz

Last updated: September 2026

1. About these terms

Welcome to the Home at Last website.

These Terms of Use apply when you access or use this website. By using this website, you agree to these terms. If you do not agree with them, please do not use the website.

We may update these terms from time to time. Any changes will take effect when the updated terms are published on this website.

2. About Home at Last

Home at Last provides mortgage and lending advice and related financial advice services.

David Gribble is a Senior Financial Adviser, FSP754331.

Further information about the financial advice services provided by Home at Last, including relevant licensing, fees, commissions, conflicts of interest, complaints and dispute-resolution information, is available in our Disclosure Statement.

3. General information only

Information published on this website is intended to provide general information about mortgages, lending, property finance and the services offered by Home at Last.

Unless we specifically provide you with personalised financial advice, information on this website should not be treated as financial advice tailored to your individual circumstances.

Everyone’s financial circumstances, goals and lending requirements are different. You should obtain advice appropriate to your circumstances before making significant financial or property decisions.

4. No guarantee of lending approval

Information provided on this website does not constitute an offer of finance, approval of a loan or guarantee that finance will be available.

All lending applications are subject to the relevant lender’s criteria, assessment processes, terms and conditions.

The amount you may be able to borrow, the interest rate available to you and whether an application will be approved will depend on your individual circumstances and the lender’s requirements at the relevant time.

5. Calculators and estimates

Any calculators, borrowing estimates, repayment estimates or similar tools provided through this website are intended as general guides only.

Results are based on the information entered and assumptions used by the calculator. They may not take into account all fees, charges, lender criteria, changes in interest rates or your complete financial circumstances.

Calculator results are not a quote, offer, approval or recommendation from Home at Last or any lender.

For advice based on your individual circumstances, please contact Home at Last directly.

6. Accuracy of information

We take reasonable care to ensure information published on this website is useful and accurate.

However, financial products, lending criteria, interest rates, laws and other information can change.

To the extent permitted by law, Home at Last does not guarantee that all information on this website will always be complete, current, accurate or suitable for your particular circumstances.

If information is important to a financial decision, please contact us so we can discuss the most current information relevant to you.

7. Third-party information and websites

This website may contain links to websites, calculators, information or services provided by third parties, including lenders, government agencies and other organisations.

These links are provided for convenience and information only.

Home at Last does not control third-party websites and is not responsible for their content, availability, security, privacy practices or accuracy.

A link to another website does not necessarily mean that Home at Last endorses that website, business, product or service.

You should review the applicable terms and privacy policies when using third-party websites or services.

8. Intellectual property

Unless otherwise stated, the content on this website, including its text, graphics, branding, logos, photographs, illustrations, design and other materials, is owned by or licensed to Home at Last.

You may view, download or print website content for your own personal and non-commercial use.

You must not reproduce, republish, distribute, modify or commercially exploit website content without prior written permission from Home at Last, except where permitted by law.

9. Acceptable use

You agree not to use this website in a way that:

breaches any applicable law;
infringes the rights of another person;
interferes with the operation or security of the website;
attempts to gain unauthorised access to the website or associated systems;
introduces viruses, malicious software or other harmful material; or
uses website content for unlawful, misleading or fraudulent purposes.

10. Privacy

Your privacy is important to us.

When you contact Home at Last, submit information through the website or engage our services, we may collect personal information about you.

Information about how we collect, use, store and disclose personal information is set out in the Home at Last Privacy Policy.

You have the right to request access to, and correction of, personal information we hold about you in accordance with the Privacy Act 2020. New Zealand’s privacy principles govern how businesses collect, store, use and disclose personal information.

11. Website availability and security

We aim to keep this website available and operating securely, but we cannot guarantee that access will always be uninterrupted, error-free or free from harmful components.

We may change, suspend or remove any part of the website at any time.

You are responsible for taking appropriate precautions when accessing websites and downloading information online.

12. Limitation of liability

To the maximum extent permitted by law, Home at Last will not be liable for loss arising solely from your reliance on general information, calculators or other website content without obtaining advice appropriate to your individual circumstances.

Nothing in these terms excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded under New Zealand law.

Nothing in these terms limits any obligations that apply to Home at Last or David Gribble when providing regulated financial advice.

13. Financial advice

Where you engage Home at Last to provide financial advice, additional terms, disclosures, authorisations and obligations may apply.

Those documents and communications may contain information specific to the services being provided to you and should be read alongside these website terms.

Where there is any inconsistency between these general website terms and specific terms agreed with you in relation to financial advice services, the specific terms will apply to those services.

14. Complaints

If you have a concern or complaint about the services provided by Home at Last, please contact:

David Gribble
Home at Last
Email: david@homeatlast.co.nz

Information about our complaints process and applicable dispute-resolution arrangements can be found in our Disclosure Statement.

15. Governing law

These Terms of Use are governed by the laws of New Zealand.

Any dispute relating to these terms or your use of this website will be subject to the jurisdiction of the New Zealand courts.

16. Contact

If you have any questions about these Terms of Use, please contact: