Bronwyn Barnes - Your Home Loan Specialist
Bronwyn Barnes gives financial advice through Enhanced Mortgage Solutions Limited, trading as The Home Loan Collective. Financial advice is provided by licensed advisers at The Home Loan Collective. See full disclosures at www.homeloanco.nz/important-information
Here are a few things you should know in relation to the use of the page. Security
and privacy:
For your own security and privacy, please do not post or share any personal, financial, or sensitive information on this page, including in comments or via Facebook Messenger. This includes information such as income, debts, bank details, identification documents, addresses, or any other information that could identify you or another person. You may post comments, photos, videos, and links on this page at your own risk. Enhanced Mortgage Solutions Limited, trading as The Home Loan Collective may review and moderate content and may remove any content, at its discretion, that is considered inappropriate, offensive, misleading, or a breach of privacy. Content is not monitored continuously and may remain visible for a period of time before being reviewed. For information only:
This page contains comments and material for general information purposes only. The information does not take into account your personal financial situation, objectives, or needs and should not be relied on as financial advice. Lending is subject to lender criteria, terms and conditions, and approval. No personalised financial advice:
No financial advice is provided through this page, including through comments, replies, or private messages. If you require advice that takes your personal circumstances into account, you should contact us directly so this can be provided through the appropriate advice process. Not investment, tax, or legal advice:
The content on this page is not intended to constitute, does not constitute, and should not be construed as investment advice, tax advice, or legal advice. Any reference to taxation, ownership structures, lending, or property matters is general only. Anyone considering purchasing a property or financial product should seek personalised professional advice before making any decisions. User comments and testimonials:
The views expressed on this page, including comments, reactions, or messages from users, are those of the individuals posting them and do not necessarily reflect the views of Enhanced Mortgage Solutions Limited trading as The Home Loan Collective. Comments or interactions should not be taken as endorsements, guarantees, or representations of typical outcomes, as individual circumstances and results will vary. No liability or responsibility:
To the maximum extent permitted by law, Enhanced Mortgage Solutions Limited, trading as The Home Loan Collective does not accept liability or responsibility for any loss, damage, or harm arising from reliance on information contained on this page, or from any act or omission by any person in connection with its use. Third party links and platforms:
This page may contain links to third party websites or content. Enhanced Mortgage Solutions Limited, trading as The Home Loan Collective does not check, monitor, or endorse the content, accuracy, or opinions expressed on any third party websites and accepts no responsibility for them. Facebook is a third party platform and its own terms, conditions, and privacy policies apply when you interact with this page. Accuracy of information:
Information on this page is provided in good faith and has been prepared using sources believed to be reliable at the time of publication. No representation or warranty is given as to the accuracy, completeness, or currency of the information, which may change over time. Concerns or complaints:
If you have any concerns or wish to raise a complaint, please contact us directly so it can be addressed appropriately. Last updated: January 2026
