Good Advice

Risk Resilience – Insurance Tips

Life certainly can be unpredictable. How well would you weather one of life’s storms? What can’t you afford to happen? We hope you find this quick summary a useful ‘thought-starter’. It’s our hope that one or more of these tips will set you on a course of discovery about how insurance can help you build financial resilience. And of course, if you’d like to have a more detailed conversation specific to your personal needs, we welcome you to browse our member directory for an insurance adviser near you. “If you can’t afford for something to happen, you should seriously...

Read More

Mortgage Resilience Tips

Home or property ownership plays a big role in the financial lives of most Kiwis. So giving yourself some time to ponder your personal situation is a solid first step towards building financial resilience. Resilience: it all starts with knowledge Whether you already own property or have yet to get into the market, we hope you find this quick summary a useful ‘thought-starter’. It’s our hope that one or more of these tips will set you on a course of discovery. And of course, if you’d like to have a more detailed conversation specific to your personal needs, we...

Read More

Four Insurance pitfalls to avoid

Did you know that less than 10 percent of Insurance claims are not paid, and when there are, it’s often because of an avoidable mistake made when the policy is taken out? Insurance can be a complicated topic – especially if you’re not familiar with the jargon. Here’s a quick outline of the most common Insurance mistakes  – and how you can avoid them. Ever heard of ‘unintentional non-disclosure’? You may have noticed that getting insurance comes with long forms and, for many good reasons, a lot of questions. In the insurance world, there is a process called ‘underwriting’:...

Read More

Own your first home in six steps

From attending open houses to closing on a deal, house hunting can be exciting and daunting at the same time – especially if it’s your first property. But even if your path to homeownership takes a few turn, the main thing is not to go off course. So how can you make sure that a certain house is ‘the one’? And what happens next? Here’s a handy six-step guide for you. Know your borrowing power How much can you borrow? It’s the first of all mortgage questions, and the key to understanding what you can afford to buy. There...

Read More

First-Home buyers – thinking outside the box.

Skyrocketing property prices over the last few years have led a number of commentators to raise questions about the ongoing viability of the kiwi home ownership dream. This impacts particularly on younger demographic who are struggle to raise the eye-watering $150,000 to $200,000 for a 20% deposit on what is now considered entry level in many parts of Auckland. And once they have managed to pull together a deposit, mortgage repayments consume a significant proportion of their earnings going forward. However, the dream of owning a property (or at least getting on to the property ladder) is leading to...

Read More

Get Social