We all wonder whether we are getting the best value for our money and whether the policies we have or are thinking of
getting are the most appropriate for our needs when we consider investment and insurance. The only real way to find out is
by comparing one offer with another rather than relying on one insurance company only for a solution. This is where advisers,
with multiple brokerage arrangements, can make sure you are getting the best deal for your particular circumstances.
As such the following are services which we can offer
An evaluation of all your current personal risk insurances to ensure you have the best available covers
at the right price. This service is provided free and with no obligation to you
as we are only paid by insurance companies when we submit business to them.
We have agency agreements with most of New Zealands leading personal risk insurance companies and can find
the best cover or combination of covers for you.
Personal Insurances - Life, Health,
Income Protection, Critical Care, Family Protection, Business Risks
Investment & Superannuation Plans including managed funds
Home Loans- We have arrangements with all major banks and non-bank lenders. We can arrange low
deposit home loans up to 95% of valuation and 100% home loans for those with excellent credit history and income.
Get your children their own home Many young people
when they leave home find it very hard to pay rent and save a deposit for a house at the same time. If you can front up with
a 10%deposit for them we can arrange a mortgage for the balance with no no proof of savings or additional guarantees required.
We can even arrange for the deposit to be borrowed against the equity in your own home.
Difficulty in proving your income We can arrange home loans for self-employed
people on the basis of a declaration instead of the production of the latest business accounts. This is particulary helpful
where a business is just starting to produce real benefits.
Credit impaired Need to refinance or buy a new property?There are special
products we may be able to help you with.
Commercial property Loans - from
second tier lenders - all proposals welcomed.
Personal & Business Budgeting
Need m
oney in your Retirement
Many people reach retirement with plenty of equity in their own home but with a shortage of cash
resources. A Lifetime loan is a way to release some of the equity in your own home without having the stress
of selling and moving.
You may want to make some home improvements, buy a new car, pay for a grandchilds education
or you may even require an urgent operation in a private hospital.
All these can be catered for with a loan secured on your home without having to make any repayments
during your lifetime.
