Frequently Asked Questions (FAQ)

We've put together a list of answers to frequently asked questions based on feedback from our valued customers.

"How much Life Cover do I need?"

In order to answer this question, it is really important to sit down with an Advisor to discuss your personal insurance needs. Our advisors will look at your current situation and your goals for the future and establish what levels of insurance you require.

 

"We have a new Baby, how do we add him/her onto our current Health Insurance Policy?"

If the child is under three months old all that is required is a letter of request to add the child to the policy, stating their full name and date of birth. This must be signed by all policy owners.

If the child is over three months old then a children's application form is required to be completed.

 

"Does it matter which KiwiSaver provider I am enrolled with?"

Yes. There are a myriad of different providers available to choose from, each with varying levels of success. What may seem like a small difference in returns now, could add or subtract tens of thousands of dollars from your retirement plan over time. Not all KiwiSaver providers are created equal and our Investment Specialist can help you decide which one will benefit you.

 

"Can our parents help us buy our first home?"

Yes. There are many ways that your parents can help with your deposit. These include being co-borrowers on your loan, being guarantors for your loan, or gifting you a portion of the equity in their home.

 

"Do we need 20% deposit to buy our home?"

No, you don’t. First time home buyers may only need a 10% deposit to buy their home, and existing home owners can obtain loans with deposits as low as 5%.

 

 

"Can I apply for a mortgage with a bank that I have never banked with?

Yes, you can. You can apply for a mortgage with any lender in the market and we will help you apply with the lender most likely to approve your loan.

 

Please contact us should you have any further questions