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Blog2019-03-20T05:19:55+00:00

Lower Mortgage Rates

August 23rd, 2019|Categories: Blog, Home Loans|Tags: , , , |

LOWER MORTGAGE RATES What’s all the guff about Lower Mortgage Rates? You may be aware the OCR was recently reduced to an all-time low of just 1.00% which has an effect on what retail mortgage rates are available to consumers. With the latest reduction, will we see much lower mortgage rates and more flexible lending criteria? There’s a good chance the answer is Yes! In case you don’t know what the OCR is and how it affects us, here is a quick video from the Reserve Bank of New Zealand that will explain what the OCR does. So, should you [...]

Business Insurance Cover

July 22nd, 2019|Categories: Blog|

Business Insurance Business Insurance covers all types, such as Plant and Machinery, Commercial Vehicle, Asset, the list goes on.  There are also risks in your business that you may have overlooked, such as your cash flow, key people, and the business expenses that you need to pay. There are also the risks you don't see. You can see your business assets when you get to work, you can see your building, but you can’t see your expenses unless you are looking at your financial reports.  The point is that these risks are not so "in your face", and could cause [...]

How to use KiwiSaver to buy your first home

June 25th, 2019|Categories: Blog, Home Loans|Tags: , |

If you want to know how you can use KiwiSaver to buy your first home read on and find out what you need and how buying your first home using KiwiSaver, you have to be in KiwiSaver for at least three years before you can use KiwiSaver as a deposit or part of a deposit to buy a home. It's important to understand that if you use your KiwiSaver to buy your first home, you may also be able to get a HomeStart grant from the Government through a Welcome Home Loan. You do not have to get a Welcome [...]

Income Insurance Agreed or Indemnity?

May 20th, 2019|Categories: ACC, Blog, Income Insurance|Tags: , , |

When it comes to Income Insurance, the fine print matters, here are a few key areas to consider when getting your Income Insurance sorted. GET AN AGREEMENT FROM OUTSET There are a few policy types but you can bring them down to three core categories which are Agreed Value, Indemnity Value and Loss of Earnings but in this article, we will look at Agreed Value and Indemnity Value. Firstly, an Agreed Value policy means that you and the insurer agree to an insured amount when you take the policy out, so at claim time you will not have to prove [...]

Life Insurance Comparison

April 20th, 2019|Categories: Blog, Life Insurance|Tags: , |

LIFE INSURANCE COMPARISON  When looking for the right life cover for you, getting a life Insurance comparison between companies is a smart idea, especially when you look at the long term cost, as well as the immediate price. Price is one of the main driving factors when looking for life cover online, but there are a couple of other factors to consider when getting a life insurance comparison. LONGER TERM COST  How much is your cover going to cost you over the long term? As for accumulative premium projections over a ten year and 20 year period, as well as [...]

ACC – What is the correct plan for you?

March 20th, 2019|Categories: ACC, Blog|Tags: |

What is the correct ACC plan for you? We are fortunate to have ACC in New Zealand, especially when it comes to being covered for accidents that are not work-related. Everyone in New Zealand is covered by ACC when injured by accident. In plain English, it does not matter what you were doing at the time you were injured, whether you're playing golf of at work you're covered. It does not matter who was at fault. ACC will cover you, as long your injury falls within New Zealand Law. Which ACC Plan is right for you? There are a few [...]

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