Life Insurance how much do I need?

February 20th, 2019|Categories: Blog, Life Insurance|

Deciding how much life insurance you need comes down to what are your priorities and current financial commitments.  There are some basics to follow which will give you an idea of how much cover you may need. Repay All Debt You should make sure you repay all debt in the event of either spouse. In most cases, the surviving spouse will struggle financially and will not be able to meet joint financial commitments, especially if the household has lost an income. If you think your spouse will be fine and you don't need any Life Insurance, try living on the [...]

Find a Mortgage Broker

January 20th, 2019|Categories: Blog, Home Loans|Tags: , , |

If you want to find a mortgage broker when you're looking for a home loan, then here are some tips to choosing a broker, especially if you do not have an existing working relationship with a mortgage broker already. 1. Establish Trust Firstly, you need to find a mortgage broker you can trust. If you don't already use a broker, ask around, ask people you know who have used a broker before, and get a recommendation. Getting a recommendation from someone you know is one of the best "trust" measurement tools you can use, after all, you wouldn't recommend anyone [...]

Business Expenses Insurance

November 22nd, 2018|Categories: Blog|Tags: , |

Business Expenses Insurance will pay for your fixed business overheads if you are unable to work due to sickness or accident.  It is not a loss of profits type of cover where you can insure against your lost profits if you have a fire or flood.  It's not that; it is to pay your fixed business expenses of a non-capital nature if the person who is insured cannot work. Why would you have Business Expenses Insurance? Usually, small business owners who are responsible for generating most of the income and expenses would have this type of cover.  If the owner has [...]

Best bank mortgage

September 20th, 2018|Categories: Blog, Home Loans|

Who has the best bank mortgage? Who has the best bank mortgage is an important question when you are looking to buy a home or refinance a current home, but it may not be a bank at all, but rather a Non-Bank lender who are who are not banks, more defined, not a registered trading bank. The leading trading banks have the majority of mortgage lending in New Zealand, and also they give us a sense of security when it comes to lending.  We can walk into their offices, talk face to face with staff, see their fleet vehicles driving around [...]

Cheapest life insurance

August 20th, 2018|Categories: Blog, Life Insurance|Tags: , |

Who has the cheapest life insurance Finding the cheapest life insurance is easy, but understanding the differences is not.   There is nothing wrong with paying as less as possible for what you want, but what is important is making an informed decision on the differences between your options then, decide which cover is for you. How much does life insurance cost? The cost of the life insurance premium depends on a number of factors such as; Age of the person insured Gender of the person insured Whether you are a smoker or non-smoker When you have any medical conditions [...]