Back to Blog

The Advantages of Using a Mortgage Broker

The Advantages of Using a Mortgage Broker Over Direct Bank Negotiations  When it comes to securing a mortgage, the process can be daunting, especially for first-time homebuyers. While approaching banks directly is an option, employing the services of a mortgage broker can offer several significant advantages. Here’s why you might consider a broker for your mortgage needs:  Expert Guidance and Personalised Service Mortgage brokers are professionals who specialize in finding the best m...

Making Informed Choices for Your Protection Plan

When considering your protection plan, it’s essential to understand the roles of brokers/advisers and direct options. Let’s explore the benefits and differences between the two.Advisers at the StartAn adviser takes the time to understand your unique requirements. They recommend a tailored solution, including the right insurer, coverage types, and amounts. Advisers leverage their expertise and technology, saving you the effort of comparing various providers’ pricing and offerings. Cost...

Maximise Your KiwiSaver with Expert Guidance

 Navigating KiwiSaver: The Benefits of Engaging a Broker Managing your KiwiSaver account is an important aspect of financial planning in New Zealand, particularly when it comes to retirement savings. While you can deal directly with a KiwiSaver provider, there are compelling reasons to consider using a broker to manage your KiwiSaver account. Here’s why:  Tailored Financial Advice A broker can personalise their advice based on your individual financial situation and long-term go...

Navigating Insurance: Broker vs. Direct

Having a financial adviser or broker for insurance needs, such as commercial, house, contents, and vehicle insurance, can be highly beneficial for several reasons. An adviser can offer their expertise in a complex landscape Insurance is intricate with various policies and terms. A financial adviser has the knowledge to help you navigate this complexity, ensuring you get coverage that fits your needs.Personalised Assessment Your financial situation is unique. A financial adviser wi...

Why Regular Life Insurance Reviews Can Be Rewarding

Life Insurance is the foundation of your financial plan, providing protection and peace of mind for you and your loved ones. And money at claim time when you need it most.   It needs to be in place today to protect what may happen tomorrow.However, Life Insurance is not a one-time purchase you can forget after signing the contract. Your Life Insurance needs may change over time, depending on various factors such as your income, expenses, family situation, health, and goals.That’s why...

Reviewing Your House, Contents, And Vehicle Insurances

Regular reviews with your adviser are important for several reasons:You can make sure that your cover is adequate and up to date. Your adviser can help you assess the value of your assets and the risks you face and recommend the best policy for your needs. You may need to increase or decrease your sum insured, add, or remove items, or change your excess or limits.You can save money and avoid overpaying. Your adviser can help you compare different options and find the best deal for your budget. Y...

Regular Business Insurance Reviews

If you own a business, you know how important it is to protect your assets, your employees, and your customers from various risks and liabilities. That’s why you have Commercial Insurance, right? But do you know if your current policy still meets your needs and expectations? Or are you paying too much or too little for your coverage?Commercial Insurance is a dynamic insurance that needs to be reviewed and updated regularly to reflect the changes in your business and the market. Here are some o...

KiwiSaver, Investing In Your Future

A lot of people think of KiwiSaver as a “savings account” that they can’t access until they turn 65 or if they’re buying their first home. It becomes a bit of a back burner subject, “I don’t know who my fund manager is”, “I don’t know what I contribute”, or, “I don’t know what sort of fund I’m in”.  KiwiSaver isn't a savings account, it is an investment that is contributed to by yourself, your employer, and the government. It has gains and losses as markets fluct...

The Importance Of Reviewing Your Mortgage

A Mortgage will probably be the biggest financial commitment you’ll make in your life. Making sure it’s on track and understanding how it works, what you’re paying, and if there are ways to pay it off faster, is very important.Your financial situation changes over time, as do rates and housing markets. Having reviews with your advisor can help you through upcoming fixed-rate renewals and working out repayments. Reviews can help you decide if now is the time to split some of your mortgage o...