The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]
When it comes to personal insurance, understanding what cover you need can feel daunting. We’re here to help you work through your options, but we also recognise that many people prefer to first build a general understanding of what types of cover are available. To help with this, we’ve compiled a glossary of some of […]
“How much can I borrow?” is often the first question people ask when they start thinking about buying or upgrading their home, or investing in property. It sounds simple, but the answer is rarely just a number on a calculator. In reality, your borrowing capacity is shaped by a mix of income, expenses, your credit […]
Insurance is often something you set up and then hope you never need. Policies are arranged, documents are filed away, and life carries on. But when something goes wrong – like a burst pipe, a house fire, a vehicle accident, or a major business interruption – this is when the real value of having an […]
Early on, careers are usually about getting a foot on the ladder. Those early years often involve regular promotions and steady rises in income as you gain experience and take on more responsibility. But as you move through the years and your salary rises, one area that frequently lags behind is personal insurance. When your […]
Please note this article appeared in our January 2026 newsletter. If you are interested in our current view on what is happening with interest rates, please click here. There is no shortage of opinions about where the housing market and interest rates are heading next. Over the summer break, we have consolidated our own thinking […]
The holiday season should be a time to unwind, reconnect, and enjoy a slower pace. Yet this time of year can also come with a few surprises. A sudden illness, a travel mishap, or an urgent issue at home can quickly derail even the best planned break. When something goes wrong, knowing how to make […]
The festive season in New Zealand is not solely about BBQs, sunshine and DIY because, as ACC statistics remind us, a surprisingly high number of festive injuries also take place! According to ACC data gathered from the last few years, around 2,500 Kiwis are injured every December doing Christmas-related activities, costing more than $2 million […]
Here’s a smart way to make your NZ Super work harder If you’re over 65 and still working, you’ve probably started receiving your NZ Super payments. But have you considered what to do with it if you don’t actually need it for day-to-day living? One smart option could be to invest your NZ Super (or […]
Over the past year, interest rates in New Zealand have eased, creating a valuable opportunity for homeowners to get ahead. While the headlines often focus on what this means for first home buyers, the real potential lies with existing homeowners who can use lower rates to shorten their loan term and save tens or even […]
