Privacy Statement
Updated 29 April 2026
Privacy Policy
Introduction
Canterbury Home Loans Limited (we, us, our) complies with the New Zealand Privacy Act 2020 when dealing with personal information. Personal information is information about an identifiable individual.
Canterbury Home Loans is a Christchurch-based mortgage broker providing home loan advice across New Zealand, with a strong focus on first home buyers, refinancing, and property purchases. This policy sets out how we collect, use, disclose, and protect your personal information.
This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer at du***@********************co.nz or visit www.privacy.org.nz.
Changes to this policy
We may update this policy from time to time by uploading a revised version to our website. The updated policy will apply from the date it is published.
What is personal information?
Personal information is information about an identifiable individual. It includes (but is not limited to):
- name, address, and contact details
- date of birth
- employment and income details
- financial information
- identification documents
- loan and credit information
- any other information relevant to providing financial advice and services
This may include information relating to home loan applications, pre-approvals, refinancing, property purchases, income verification, and your overall financial position.
How we collect your personal information
We collect personal information directly from you when you:
- engage us for financial advice or services
- complete forms or provide documents
- communicate with us via phone, email, or online
- use our website or interact with our content
We may also collect your personal information from third parties where relevant to providing our services. This may include:
- lenders, insurers, and product providers
- credit reporting agencies
- your employer, accountant, or solicitor
- referrers or co-borrowers
- publicly available sources
Third party collection of information
Where we collect your personal information from someone other than you, we will take reasonable steps to notify you.
This notification will include:
- the purpose of the collection
- the intended recipients of the information
- the name and address of the agency collecting and holding the information
- whether the collection is authorised or required by law (and, if so, the relevant law)
- your right to access and request correction of that information
This will be provided to you unless an exception applies under the Privacy Act 2020.
How we use your personal information
We will use your personal information to:
- verify your identity
- assess your financial position and lending requirements
- provide financial advice and arrange lending or related services
- communicate with lenders, insurers, and product providers on your behalf
- respond to your enquiries and provide ongoing support
- meet our legal and regulatory obligations
- improve our services
- contact you about relevant services or updates (where permitted)
As a Christchurch mortgage adviser, this includes supporting clients through the full home loan process, from initial enquiry through to application, approval, and settlement.
Disclosing your personal information
We may disclose your personal information to:
- lenders, insurers, and product providers
- third-party service providers (such as IT systems, hosting providers, and compliance providers)
- professional advisers (such as solicitors and accountants)
- credit reporting agencies
- government agencies and regulators where required
- any person or organisation you authorise
We will not disclose your personal information unless:
- it is necessary for the services we provide
- you have authorised it
- or we are required to do so by law
Protecting your personal information
We take reasonable steps to protect your personal information from loss, unauthorised access, misuse, or disclosure.
This includes:
- secure systems and encrypted data storage
- restricted access to authorised personnel only
- use of reputable third-party systems that meet security standards
Storing your personal information
We retain personal information only for as long as necessary to provide our services and meet legal obligations.
Your information may be stored:
- in secure cloud-based systems
- within CRM and document management systems
- at our office located at 88 Division Street, Riccarton, Christchurch
Some information may be stored or processed by trusted providers outside New Zealand. Where this occurs, we ensure appropriate safeguards are in place.
Accessing and correcting your personal information
You have the right to request access to the personal information we hold about you and to request correction of that information.
To do so, please contact us at du***@********************co.nz.
We may require proof of identity before providing access.
If we do not agree to a requested correction, we will note your request on file.
Data breaches
We have processes in place to identify, report, and respond to any data breaches.
If a notifiable privacy breach occurs, we will comply with our obligations under the Privacy Act 2020.
Internet use
While we take reasonable steps to maintain secure systems, any information you provide over the internet is at your own risk.
Our website may contain links to third-party websites. We recommend reviewing their privacy policies before providing personal information.
We may use cookies and analytics tools to understand website usage and improve our services.
Contact us
If you have any questions about this policy or your personal information, please contact:
Privacy Officer
Canterbury Home Loans Limited
88 Division Street
Riccarton
Christchurch
Email: du***@********************co.nz
Phone: 03 260 0914
Financial Services Provider Details
Canterbury Home Loans Limited is a licensed Financial Advice Provider.
FSP Number: FSP718491