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Last updated: 17 April 2026
By accessing and using ratepal.co.nz (“the website”), you agree to be bound by these terms of use. If you do not agree with any part of these terms, please do not use the website.
RatePal is a free, independent comparison website for New Zealand financial products. We provide general information about mortgage rates, personal loans, term deposits, credit cards, KiwiSaver funds and related financial topics.
The information provided on this website is for general informational and comparison purposes only. It does not constitute personalised financial advice, a recommendation, or an offer to buy or sell any financial product.
RatePal is not a registered financial adviser under the Financial Markets Conduct Act 2013. Before making any financial decisions, you should seek advice from a qualified, licensed financial adviser who can consider your individual circumstances.
We make reasonable efforts to ensure the information on this website is accurate and up to date. However, rates, fees and product details change frequently and we cannot guarantee that all information is current or error-free at the time you view it.
You should always verify rates and product details directly with the relevant bank or financial provider before making any decisions. We provide links to provider websites for this purpose.
Our mortgage calculator, repayment planner, KiwiSaver fee calculator and other tools are provided for illustrative purposes only. Results are based on the inputs you provide and standard financial formulas. Actual outcomes may differ due to fees, specific lender policies, changes in interest rates and other factors.
This website contains links to external websites operated by banks, financial providers and other third parties. These links are provided for your convenience. We do not control, endorse, or accept responsibility for the content, products or services offered on third-party sites.
To the maximum extent permitted by New Zealand law, RatePal and its operators shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of or reliance on the information or tools provided on this website.
All content on this website — including text, data compilations, graphics, logos, software and page layout — is the property of RatePal or its content providers and is protected by New Zealand and international copyright law. You may not reproduce, distribute or republish any content without prior written permission.
We may update these terms from time to time. Changes take effect when posted on this page. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.
These terms are governed by and construed in accordance with the laws of New Zealand. Any disputes shall be subject to the exclusive jurisdiction of the courts of New Zealand.
If you have any questions about these terms, please contact us at ratepalnz@gmail.com.