Find a Mortgage Broker
If you want to find a mortgage broker when you're looking for a home loan, then here are some tips to choosing a broker, especially if you do not have an existing working relationship with a mortgage broker already. 1. Establish Trust Firstly, you need to find a mortgage broker you can trust. If you don't already use a broker, ask around, ask people you know who have used a broker before, and get a recommendation. Getting a recommendation from someone you know is one of the best "trust" measurement tools you can use, after all, you wouldn't recommend anyone [...]
Business Expenses Insurance
Business Expenses Insurance will pay for your fixed business overheads if you are unable to work due to sickness or accident. It is not a loss of profits type of cover where you can insure against your lost profits if you have a fire or flood. It's not that; it is to pay your fixed business expenses of a non-capital nature if the person who is insured cannot work. Why would you have Business Expenses Insurance? Usually, small business owners who are responsible for generating most of the income and expenses would have this type of cover. If the owner has to [...]
Best Medical Insurance
Who has the best medical insurance will depend on the benefits you are looking for in your cover. In my opinion, one of the main criteria is where medical insurance will pay for Non-Pharmac subsidised drug treatment. For example, in today's' modern society new innovative drugs are being developed to help treat cancer, and some of the new drugs help those who are undergoing cancer treatment, but unless Pharmac subsidises the new drugs, they are far too expensive for most individuals. Medical insurance could make the difference between life or death. So who has the best medical insurance? Most major [...]
Best bank mortgage
Who has the best bank mortgage? Who has the best bank mortgage is an important question when you are looking to buy a home or refinance a current home, but it may not be a bank at all, but rather a Non-Bank lender who are who are not banks, more defined, not a registered trading bank. The leading trading banks have the majority of mortgage lending in New Zealand, and also they give us a sense of security when it comes to lending. We can walk into their offices, talk face to face with staff, see their fleet vehicles driving around [...]
Cheapest life insurance
Who has the cheapest life insurance Finding the cheapest life insurance is easy, but understanding the differences is not. There is nothing wrong with paying as less as possible for what you want, but what is important is making an informed decision on the differences between your options then, decide which cover is for you. How much does life insurance cost? The cost of the life insurance premium depends on a number of factors such as; Age of the person insured Gender of the person insured Whether you are a smoker or non-smoker When you have any medical conditions that [...]
Disability Insurance
Disability Insurance Disability insurance can mean different benefits, depending on the insurance solution you use. There are disability insurance solutions that will pay you a lump sum benefit, and there are some that will pay you a monthly benefit, and there are some that will pay you a combination of both. In the context of this article, I will be talking about Income Protection also known as disability insurance and the fine print around claiming a partial disability benefit. What is Partial Disability? Partial disability is where you have to work lesser hours because of sickness or accident, that usually [...]