Terms and Conditions – NZHL Christchurch North Refer a Friend Promotion 2026

By entering this promotion, you agree to be bound by the following Terms and Conditions.

Eligibility and Entry

  • Entries for the NZHL Christchurch North Refer a Friend promotion will be accepted from 22 September 2026 to 31 October 2026.
  • To qualify for this promotion, the referred person must:
    • Be aged 18 years or over
    • Not be an existing client of NZHL at the time the referral is submitted. A person who has previously contacted NZHL or attended an appointment with NZHL but did not become a client and hold any active product with NZHL remains eligible to be referred;
    • Be referred by a participant who is an existing client of NZHL Christchurch North during the Promotional Period; and
    • Become a client of NZHL Christchurch North and:
      • submit a home loan application arranged through NZHL Christchurch North on or before 31 October 2026, which is subsequently drawn down and settled on or before 15 December 2026; or
      • submit an insurance application arranged through NZHL Christchurch North on or before 31 October 2026, which subsequently results in an insurance policy being issued on or before 15 December 2026.
  • Applications submitted after 31 October 2026 will not be eligible for entry, regardless of when the home loan settles or insurance policy is issued.
  • General enquiries, financial advice discussions, consultations, loan applications, and insurance quotes that do not proceed to settlement of a home loan between September 22 2026 and 15 December 2026 are not eligible for entry.
  • NZHL Christchurch North reserves the right to recover the value of the reward from the participant if:
    • A qualifying insurance policy is cancelled or lapses due to non-payment of premiums within 12 months of the policy issue date; or
    • A qualifying home loan being moved, cancelled, or amended within 12 months of the loan being drawn down and settled.
  • A referred person may only generate one (1) eligible referral reward under this Promotion. Where a referred person settles both a home loan and an insurance policy during the Promotional Period, only the first qualifying transaction will be counted as a valid entry and no additional reward will be payable in respect of any subsequent transaction.
  • There is no limit to the number of eligible referrals submitted by a participant.
  • Participants who submit and qualify for two (2) or more eligible referrals during the Promotional Period will receive a spot prize of a $250 Prezzy card for each additional eligible referral after their first eligible referral.
  • If more than one person refers the same individual, only the first referral received by NZHL Christchurch North will be eligible for the reward.
  • By submitting a referral, the participant confirms that they have obtained the referred person’s permission for NZHL Christchurch North to contact them.
  • A referral entry is not eligible where the referred person has entered the NZHL Christchurch North New Client Promotion. Any such referral entry may be deemed invalid, and the referrer will be notified accordingly.
  • All personal information will be handled in accordance with the Privacy Act 2020 and the NZHL Privacy Policy.
  • Reward: Each eligible participant will receive a reward equal to the value of their August 2026 electricity bill, up to a maximum of NZD $500. If the bill exceeds NZD $500, the reward will be capped at NZD $500.
  • The August 2026 electricity bill:
    • must be for a New Zealand residential property;
    • must be issued in the participant’s name; and
    • must be provided to NZHL Christchurch North upon request.
  • Only one (1) electricity bill reward may be claimed per household or residential address. Where multiple eligible referrals are submitted by participants residing at the same household or residential address, only the first eligible participant will be entitled to receive the electricity bill reward. Any subsequent eligible referrals from participants residing at the same household or residential address will instead qualify for the applicable $250 Prezzy Card spot prize in accordance with these Terms and Conditions. NZHL Christchurch North reserves the right to determine, in its sole discretion, whether participants are residing at the same household or residential address.
  • NZHL Christchurch North reserves the right to disqualify any participant on reasonable grounds.
  • NZHL Christchurch North also reserves the right to withhold the prize if, in its sole discretion, it believes there has been a breach of these Terms and Conditions or the entry is fraudulent.
  • Eligible participants who have met all eligibility requirements will be contacted within 14 days to arrange their reward unless otherwise previously contacted.
  • To claim the reward, participants must provide a copy of their August 2026 electricity bill and any information reasonably requested by NZHL Christchurch North within 14 days of being contacted.
  • If an eligible participant does not respond, provide the required information, or claim their reward within 14 days of notification, the reward will be deemed forfeited and NZHL Christchurch North will have no further obligation to provide the reward.
  • The reward is non-transferable, non-exchangeable, and not redeemable for cash. All prizes must be accepted as awarded and cannot be exchanged or substituted.
  • NZHL Christchurch North reserves the right to amend, extend, or cancel the promotion at any time and for any reason.