Good Advice

Applying for a mortgage: 5 key factors you need to know

When a bank assesses your mortgage application there are 5 key factors they look for. Combined these factors add up to an overall assessment of your ability to take on and service the debt and the risk that the lender would be taking on.  Having an understanding of these factors can help you when applying for your next mortgage (or top-up) Credit History. The bank here is looking for evidence of a good track record when it comes to taking on debt. You can get a copy of your own credit report (which is what the banks see) from...

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Choosing an Insurance Adviser

Insurance advisers are insurance experts, or guides, who know how to combine various types of insurance so your cover meets your needs. They guide you so that you can keep payments at a minimum, while getting the best payout possible if you ever have to claim. Here is a guide to identifying someone who can assist you.

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Life Insurance Mistakes

Life insurance is about protecting you and your family financially so if someone passes away unexpectedly, money concerns will be the last thing anyone has to worry about. Which is the way it should be at such a difficult time but, like anything important, mistakes can be made.   The perfect way to go – super old, wonderfully wrinkly and surrounded by family and friends. Perhaps even sharing a joke although death is near, knowing you are financially secure and your passing won’t cause money headaches for loved ones. Some people are that lucky, but we can’t count on such a...

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Disability Insurance Mistakes

Disability insurance is a complex area with a number of separate but interrelated products and options. Getting your disability insurance cover wrong can be costly and means you don’t have the right cover at the right time. In this article, we look at some of the common mistakes. ‘Able’. It’s a word we hear all the time and it’s a seemingly simple word. When it applies to you it means you are ‘able’ to do what you need to do to carry on with everyday life with little stress. You are ‘able’ to work and pay your bills. But add a...

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Health Insurance Mistakes

Understanding health insurance options and what’s important helps you get cost-effective cover that works in conjunction with New Zealand’s very good public health system. Health is one of those things easily taken for granted, when you are well of course. There’s a saying by Thomas Fuller – ‘Health is not valued till sickness comes.’ And the person who goes by the name of Anonymous (yes, that famous guy/gal!) and churns out expressions has said ‘he who enjoys good health is rich, though he knows it not’ and ‘the greatest wealth is health’. That Anonymous is pretty wise because when...

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