Pre Approved Home Loan
Having a Pre Approved Home Loan will provide you greater certainty of what a lender will provide you, and gives you some level of comfort when you go house hunting, but how long does this last and what if the market or the lending criteria changes, what happens to your pre approval. Pre Approvals are limited Pre approval from a lender has a limited time frame, and right now 90 days may be the most time a pre approval will last, then you will need to update your loan application and provide more recent supporting information. This length of time [...]
Best life insurance company
Finding the best life insurance company, really depends on what type of cover you are looking for now, what you may need in the future, and whether you can bundle your insurance together to save multiple policy fees. Who is the best company? Each insurance company has its' specific strengths and at certain times their product ratings from independent insurance research houses may change from time to time because of product innovation or lack thereof, and product ratings will change from insurer to insurer. One company may have the best Income Protection rated policy one year, and through product innovation [...]
Major Surgery Insurance
When thinking about major surgery insurance, you may immediately think of health insurance also known as medical insurance, but there are complementing products you may want to consider at the same time should the need of major surgery arise. Most of us have heard about waiting lists and people waiting for major surgery, only to have that list grown and surgery wait times extended. A recent example is the Waikato DHB who have a growing waiting list of cardiac treatment and surgery. You would think that such a serious condition requiring cardiac surgery would be immediate care, but our health [...]
Debt repayment insurance
Debt repayment insurance can make repayments on your financial commitments if you are unable to work due to sickness or accident and will pay in addition to any ACC you may be entitled to receive. What will debt repayment pay for? Debt repayment insurance can also me called household expenses cover or possibly a variation of other names, but it is specifically to make sure your household can meet its financial obligations and is not limited to just debt and you can insure for costs such as; Early Childcare Costs Electricity Hire Purchase, Bank/ Personal Loan Repayments House, Contents, Car [...]