Blog2018-08-18T12:26:58+12:00

Pre Approved Home Loan

September 24th, 2021|Categories: Blog, Home Loans|Tags: , , |

Having a Pre Approved Home Loan will provide you greater certainty of what a lender will provide you, and gives you some level of comfort when you go house hunting, but how long does this last and what if the market or the lending criteria changes, what happens to your pre approval. Pre Approvals are limited Pre approval from a lender has a limited time frame, and right now 90 days may be the most time a pre approval will last, then you will need to update your loan application and provide more recent supporting information.  This length of time [...]

Best life insurance company

August 22nd, 2021|Categories: Blog|

Finding the best life insurance company, really depends on what type of cover you are looking for now, what you may need in the future, and whether you can bundle your insurance together to save multiple policy fees. Who is the best company? Each insurance company has its' specific strengths and at certain times their product ratings from independent insurance research houses may change from time to time because of product innovation or lack thereof, and product ratings will change from insurer to insurer. One company may have the best Income Protection rated policy one year, and through product innovation [...]

Debt repayment insurance

July 1st, 2021|Categories: Blog, debt protection, loan repayment insurance|Tags: , , |

Debt repayment insurance can make repayments on your financial commitments if you are unable to work due to sickness or accident and will pay in addition to any ACC you may be entitled to receive. What will debt repayment pay for? Debt repayment insurance can also me called household expenses cover or possibly a variation of other names, but it is specifically to make sure your household can meet its financial obligations and is not limited to just debt and you can insure for costs such as; Early Childcare Costs Electricity Hire Purchase, Bank/ Personal Loan Repayments House, Contents, Car [...]

Who is PHARMAC

June 23rd, 2021|Categories: Blog, Health Insurance|Tags: , , , |

Who is PHARMAC and what do they do? Fortunately for us Kiwis, we have PHARMAC who are a government funded agency that decides which medicines and related products are funded in New Zealand. They decide what treatments they subsidise to make drug treatment more affordable or even free, but they have a limited budget and have the task of deciding which treatments they subsidise which also means which ones they cannot.  I use the word cannot because if they could afford to, I am sure they would. Here are some facts you should know about PHARMAC In the 2019/2020 years [...]

What does a Financial Adviser do

May 24th, 2021|Categories: Advisers, Blog, Financial Advice, Financial Adviser|

If want to know what does a Financial Adviser do, there can be a range of answers because the use of the term financial adviser is broad, and was defined under the new government rules and regulation. Financial Advisers work in three categories which are insurance, investments and finance.  Some advisers will provide all types of services such as Mortgage Finance, Personal Insurance such as Life Insurance and KiwiSaver while some will just provide service in one category such as Mortgage Finance. Financial Adviser Qualifications Financial Advisers are governed by the Financial Markets Authority (FMA) who hold advisers to a [...]

What will ACC pay for

May 4th, 2021|Categories: ACC, Blog|

What will ACC pay for is a very popular question and we need to understand what it will pay for and even more importantly, what it will not pay for.  There are limits to this cover and as obvious as it sounds, it is for Accident Only. Accident Only Income Replacement We have to acknowledge the place ACC plays in our lives as New Zealanders and how fortunate we are compared to other countries such as the United States.  However it is restricted to Accident Only and does not pay for being unable to work when you are too sick [...]

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