Mortgage Finance

How mortgage insurance works

Mortgage insurance comes in a number of variations and it is important to understand these variations.  You need to understand what you are covered for and what you are not covered for. You should talk to your adviser and find out what are the optional extras are which can be included but may not be in your current cover. Mortgage Repayment Insurance Normally, there is a base cover which is a life insurance benefit, so in the unfortunate event of death of the person (or persons) insured, the insurer will pay the insured amount to the lender and hopefully the insured [...]

Is your home insurance the right amount?

Home Insurance You may have recently heard on Fair Go and in the news recently that many of us have not insured our homes for the right amount.  Insurers have put the responsibility of home insurance on you, therefore running the risk that if you get it wrong, you will have serious shortfalls in what it would cost to replace your home. The great news now is that our insurers have introduced a product called SumExtra for Home Insurance.  We’re extremely pleased to advise that with effect 11th February 2015, this benefit will also apply to all of our clients [...]

2015-04-14T23:46:28+12:0014/04/2015|Categories: Blog, Mortgage Finance, New Finance, Refinance|Tags: , |

Property values in Rotorua

Rotorua Property Values Recently there was an article about Rotorua property values and as a mortgage broker, I could not help but add my two cents worth.  The question I often get asked by clients home a home is "what do you think it's worth"?.  I would love to be able to have a answer for them but my answer is usually "what ever the market is prepared to pay". Of course, when it comes to securing a home loan for them, the bank will always ask what the valuation is and what is the purchase price so the valuation [...]

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