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 […]
Unsure whether to refix or refinance your mortgage? Learn the difference, when to act, and how timing can save thousands. Understanding Refixing vs Refinancing Many homeowners use refix and refinance interchangeably, but they mean very different things and the choice can make a big difference to your long-term costs. Refixing means locking in a new […]
With ANZ and TSB changing their policies to offer up to 10 years of interest-only repayments, many property investors are rethinking their loan strategy. Here’s how interest-only lending works and why it could strengthen your long-term investment plan. What is an interest-only loan? An interest-only loan means your repayments cover only the interest on your […]
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 […]
When we talk about ‘protecting the family’, most Kiwis immediately think about life insurance. It makes sense, a safety net in the form of a lump sum payout to help clear the mortgage, take care of debts and provide loved ones with some financial security in the event the unthinkable happens. But here’s the reality […]
It’s human nature to look at the bottom line. When it comes to insurance, many Kiwis flick their eyes straight to the monthly premiums and ask: “How much is this going to cost me?” But the true measure of insurance isn’t the number on your bank statement each month, it’s the value it delivers when […]
If you’ve ever glanced at your KiwiSaver balance and wondered how you’re tracking against other Kiwis, you’re not alone. While personal circumstances vary, there are benchmarks based on national data that can help you gauge where you stand—and decide whether it’s time to step things up. Here’s what recent figures reveal, what they mean for […]
How to make cashbacks and cash retention payments work for you! Banks in New Zealand often offer thousands of dollars in cashback payments to win your mortgage business. The marketing hook is obvious: instant money in your account, just for taking out a home loan. With the right approach, refinancing and securing a mortgage cashback […]
How to Fund Your Dream Upgrade Without Overcommitting Whether you’re looking to future-proof your family home, add value before selling or finally create the kitchen you’ve always wanted, large scale renovations don’t come cheap. For many Kiwis, refinancing your mortgage can be a smart and cost-effective way to access the funds needed for home improvements. […]
Understanding the real costs of going without insurance cover and why self-insuring might cost more than you think… When you’re earning a good income, building assets and you feel in control of your finances, it’s natural to ask the question: “Do I still need this insurance?” We hear this sometimes from clients who are financially […]
