Good Advice

I walk in my client’s shoes. It’s not just the mortgage, but the whole experience of buying a property. Often, I will provide opinion of what and where to buy, provide advice about the house buying process, and discuss the associated risks with our clients. I will help them understand the economic environment, what’s happening with interest rates and housing and what that might mean for them. I don’t just look at the here and now of how to get them approved, I encourage them to look forward and plan their future. What are their long term goals and...

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...

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...

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’:...

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...