You might have heard a bit of talk lately about mortgage holidays. As part of its response to COVID-19, the Government has been working with lenders to make it easier for borrowers to get a break from their home loan repayments. While ‘mortgage repayment holidays’ have always been an option for borrowers experiencing financial hardship,…

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Looking at buying your first home? Then your ‘borrowing power’ is a critical number to know. Most lenders have online calculators to help you work out a rough estimate. But if you want a more precise figure before kicking off your house hunt, getting pre-approved by a lender is a great idea. To maximise your…

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Ready to buy your first home? Purchasing property always requires a fair share of planning, especially when it comes to saving for your first deposit.But if you’re a KiwiSaver member, taking this step may be easier than you think – thanks to the HomeStart Grant. What is it? Are you eligible? And how much can you get out…

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Do you have a mortgage? Along with Income Protection and Trauma Cover, Life Insurance is one of the types of covers that are best suited to a homeowner’s needs. But how can you make sure that you have the right level of coverage? Here are some tips to get you started. Don’t go for the…

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Time to claim?

When life throws a curveball or two and you need to claim on your insurance, having the knowledge, expertise and guidance of your insurance adviser makes all the difference. It’s your adviser’s job to guide you through the process; to help you understand what you can claim; to represent your interests with the insurance company;…

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Thinking of increasing your Insurance protection, or simply would like to know what’s available and how you can make the most of it? Depending on the type of cover you have in place, there are certain extras you can consider. Here’s an outline of some handy optional benefits you can add to your policy, and…

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With a wider capital gains tax off the agenda (for now anyway) it’s a timely reminder that there are existing tax implications for property investors, depending on their situation. Here, we look at two reasons for investment property ownership, and what taxes might apply. Property investors who buy for capital gains Whether you will need…

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We all know it – Planning meals, writing a list of groceries and then only buying those items is the only guaranteed method of saving money and staying on budget. However, when we are confronted by ‘special’ signs everywhere, tempting us to seize a bargain, it is easy to lose willpower and ignore our list.…

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If you have a mortgage, you already know that your house is one of your biggest (and longest-term) investments. And of course, it relies on your ability to meet repayments over time – regardless of life’s ups and downs. So why not invest in peace of mind, and take out Mortgage Protection/Repayment Insurance? Here are…

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No doubt you’ve heard this before: “Save money for a rainy day”. It might be easier said than done (especially with the household budget and other expenses to meet), but it’s good advice. The truth is, it might well ‘rain’ at some point in the future. Creating a healthy emergency fund is like building a…

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