Our Loans and
Insurance Services
We provide comprehensive loan and insurance
services designed to meet your financial needs and protect your future.
We provide comprehensive loan and insurance
services designed to meet your financial needs and protect your future.
Loan Services
Home Loans
Whether you’re buying your first home, refinancing an existing mortgage, or investing in property development, we provide tailored home loan solutions to suit your financial goals.
- First-Home Buyers – Helping you navigate the home loan process with expert guidance, competitive rates, and low-deposit options.
- Refinancing – If you want to reduce your mortgage interest rates, access equity, or switch to a better loan structure, we can help you refinance efficiently.
- Property Investors – Looking to expand your investment portfolio? We offer structured loans to maximize returns and leverage your assets.
- Property Developers – Whether it’s a residential or commercial development, we provide financing solutions to support your project from start to finish.
Debt Consolidation Loans
Debt consolidation allows you to combine multiple high-interest debts—such as credit cards, hire purchases, personal loans, and car loans—into a single loan with a lower interest rate. This is done by borrowing from the bank, often at home loan interest rates, using your home as security (if your mortgage is below 80% of your property’s value).
Why Consolidate Your Debts?
- Lower Interest Rates – Replacing high-interest debts with a lower-rate loan reduces your overall interest costs.
- Simplified Repayments – Instead of managing multiple repayments, you’ll have just one loan to track.
- More Financial Flexibility – Lower repayments free up cash for other essential expenses.
- Faster Mortgage Repayment – By saving on interest, you can redirect more funds toward paying off your home loan sooner.
- Longer Repayment Terms – Home loans offer extended repayment periods compared to personal loans and hire purchases, making payments more manageable.
Debt consolidation can provide financial relief and help you regain control of your finances. Contact us to explore your options.
Personal Loans
A personal loan allows you to borrow money for various purposes, such as buying a car, renovating your home, or covering education expenses. It provides a flexible way to achieve your goals without long waiting times.
Costs Associated with Personal Loans
Personal loans come with interest and fees, which vary based on factors like your credit history, market conditions, and whether the interest rate is fixed or variable. Fees typically cover administrative costs.
Why Choose a Personal Loan?
Unlike credit cards, personal loans offer clear terms with fixed repayments, so you know exactly how much you’ll pay. You also have the flexibility to repay early without penalty, which can reduce the overall interest paid. Loan terms typically range from 3, 5, or 7 years, but you can pay it off sooner if desired.
If you’re looking for a straightforward and flexible financing option, a personal loan could be the right choice for you. Contact us to explore your options today.
Business Loan
Why Do I Need a Business Loan?
A business loan can help you:
- Purchase an existing business.
- Start a new business or franchise.
- Invest in major upgrades or expansions.
To qualify, you’ll need to show the bank that your business is viable and profitable, along with having the necessary experience to manage it successfully.
How Much Can I Borrow?
Banks typically lend up to 50% of the business’s value or purchase price (excluding GST).
If you need a larger loan, you can use other assets, such as your home or investment property, as security. In this case, banks may lend up to 80% of the asset’s value.
Repayment Terms & Interest Rates
Business loans secured against the business usually have a repayment period of 5–7 years.
If secured against residential property, repayment terms may extend up to 30 years.
Since businesses are considered higher risk, business loan interest rates are typically 3-4% higher than home loan rates.
If you’re looking to start, grow, or invest in your business, contact us to explore the best financing options for you.
Car Loan
A car loan helps you finance a vehicle by borrowing money from a lender and repaying it in fixed installments over time. Once approved, the lender provides the funds needed to purchase the car, and you agree to repay the loan with interest.
How Are Car Loan Interest Rates Calculated?
Several factors determine the interest rate you’ll pay on a car loan, including:
- Credit History: Lenders assess your credit score to determine how reliable you are in repaying debts. A higher credit score often means lower interest rates.
- Type of Interest Rate:
- Simple Interest: Based only on the original loan amount.
- Compound Interest: Based on both the loan amount and accumulated interest, meaning you pay interest on the interest.
- Debt-to-Income Ratio: Lenders consider how much of your monthly income goes toward other financial obligations before determining your loan terms.
To get the best car loan rate, it’s essential to understand your credit score, loan amount, possible down payment, and overall financial situation. Contact us to explore your options.
Insurance Services
Life Insurance
When Do You Need Personal Life Insurance?
Having life insurance provides financial security for your loved ones, ensuring they are taken care of in your absence. Here’s why you should consider life cover:
- Mortgage Protection – Ensures your family can keep their home without worrying about mortgage payments.
Debt Coverage – Prevents your loved ones from being burdened with unpaid loans. - Funeral Costs – Helps cover funeral expenses, which can range from $12K to $15K in NZ.
- Repatriation Benefit – Covers the cost of bringing your body back to NZ if you pass away overseas.
- Lifestyle Maintenance – Supports your family in maintaining their current standard of living.
- Income Replacement – Provides funds for daily living expenses.
- Children’s Education – Helps cover school and university fees so your children’s future isn’t compromised.
- Terminal Illness Support – Allows early access to the claim if diagnosed with a terminal illness, giving you financial control in your final months.
- Legacy Planning – Provides an inheritance for your family if you don’t have significant savings.
Optional Add-Ons:
- Future Insurability Option – Increase your cover over time without medical checks.
- Waiver of Premium – Keeps your cover active without payments if you can’t work due to illness or injury.
- Premium Conversion Facility – Allows you to lock in premiums for a set period, avoiding unexpected increases.
Premium Structure Options:
- Rate to Age – Starts low but increases annually, ideal for short-term coverage (e.g., business loans).
- Level Term – Fixed premium for a chosen term (e.g., 10 years, age 65, 80, or 100), great for long-term planning.
- Hybrid – A mix of Rate to Age and Level Term, balancing affordability and long-term security.
- Choosing the right life insurance ensures peace of mind, knowing your family is financially protected.
Trauma & Critical Illness Insurance
Protect Your Finances from Serious Illness or Injury
What is Trauma Cover?
Trauma insurance provides a lump sum payment if you’re diagnosed with a serious illness or critical condition, as defined by your insurance provider. It typically covers 50+ medical conditions, including:
- Cancer
- Heart-related conditions
- Loss of function
- Brain & nerve disorders
- Other critical medical events
Types of Trauma Cover:
- Accelerated Trauma Cover – Linked to your life cover, meaning any claim reduces your life cover by the same amount. To restore coverage, consider adding a buyback option, which allows reinstatement after 6–12 months. This option is more affordable than standalone trauma cover.
- Standalone Trauma Cover – Independent of life cover, so a claim doesn’t reduce your life insurance. You can also add a trauma buyback option to reinstate your trauma cover after 6–12 months.
Trauma cover ensures financial stability during tough times, giving you and your family peace of mind.
Mortgage and Income Protection Insurance
Mortgage Repayment Cover
Mortgage Repayment Insurance ensures your home loan payments continue if you’re unable to work due to sickness, injury, or disability. Just as you protect your home with insurance, securing your ability to pay for it is just as crucial.
Key Benefits:
- Covers Your Mortgage – Helps keep your home secure by covering your mortgage instalments.
- No ACC Offset – Even if you receive ACC payments, your insurance provider will still cover your mortgage as long as you meet the claim criteria.
- 110% – 115% of Mortgage Instalments – Most insurers allow coverage of 110% – 115% of your mortgage payments or up to 45% of your gross income.
- Flexible Payout Periods – Receive payments for a set period, from 2 years up to age 65 or 70, depending on your policy. Claims can start in as little as 4 weeks.
Income Protection Insurance
Income Protection Insurance provides regular payments if you’re unable to work due to illness, injury, or disability. This helps safeguard your lifestyle and financial stability.
Why You Need It:
- Covers Living Expenses – Pays for rent, mortgage, and daily costs once sick leave and savings are exhausted.
- Regular Payments – Receive 62.5% – 75% of your income for a set period (2 years to age 65/70). Payments can start in as little as 4 weeks.
- Protects Your Business – If self-employed, you can insure up to 75% of your business income to cover expenses or hire temporary help while you recover.
By securing Mortgage and Income Protection Insurance, you ensure financial peace of mind for yourself and your family.
Business Insurance: Protecting Your Work and Assets
Whether you’re a sole trader, contractor, or business owner, insurance is essential to safeguard against unexpected risks. While no single policy covers everything, having the right coverage ensures financial protection in case of loss or disruption.
Types of Business Insurance
1. Asset Insurance
Protects business-owned items from theft or damage, including computers, furniture, tools, and stock.
- Indemnity Cover: Takes wear and tear into account when processing claims.
- Replacement Cover: Pays the full cost of replacing lost or damaged items.
2. Commercial Property Insurance
One of the most common forms of business insurance, this covers property owners (not tenants) from:
- Natural disasters (earthquakes, floods, etc.)
- Fire and burglary
- Damage to stock, equipment, and buildings
If you run a business from home, standard household insurance may not cover your business assets.
3. Business Interruption Insurance
This covers financial losses when your business is disrupted due to fire, burglary, or natural disasters. It helps cover:
- Wages and salaries
- Rent and utilities
- Lost profits during recovery
If you lease a commercial space, this coverage ensures business continuity despite unforeseen disruptions.
Medical / Health Insurance
Health and medical insurance are the same, just different names for the same coverage. A policyholder can claim medical expenses as per their insurance policy, including:
- Non-surgical and surgical expenses
- Diagnostic tests – MRI, CT scans, X-rays, ultrasounds, and other doctor-recommended tests
- Specialist consultations
Benefits of Health & Medical Insurance
Helps detect health issues early, leading to better treatment outcomes and lower costs
Some providers cover overseas treatment if unavailable in New Zealand or if waiting times are too long
Certain insurers may cover pre-existing conditions after three years, based on policy terms
With health insurance, you can focus on your well-being while your provider takes care of medical costs, giving you peace of mind and financial security.
