We update this page regularly with recent questions that clients have asked us, so do check back in. If you have a specific question you’d like an answer to NOW – email us.
1. How Much Can I Borrow?
Because lenders consider a number of factors this is not a straight forward answer. Use our mortgage calculator for an indication of payments and borrowing and then talk to us. We can discuss with you the paperwork and information that lenders require.
2. Are Interest Rates going up?
Frustratingly there are no crystal balls that provide this answer. And in fact interest rates are not the only thing to consider when looking at mortgage borrowing. It is a key factor, but not the only one – give us a call and we can let you know what the current range of rates are but also provide you with some information into the other enticements or benefits that are available and by whom!
3. Should I fix or Float and for how long?
This is an age old question! I would need to discuss your specific situation with you to give you a proper answer. Both can work well and both can work against you – it’s very specific to your needs, now and tomorrow.
4. Why should I have insurance?
Stealing the line from a makeup brand “because you’re worth it!” having worked hard for the assets you have – car, house contents, it makes sense to protect them against things that can happen outside of your control. And this extends into those other areas of your life – can I suggest your more important assets – your life, your health and your ability to earn an income. Who pays for the groceries, mortgage or schooling for your kids if you can’t? That’s why you should have insurance.
5. What paperwork do I need to get insurance?
Generally nothing except some identification such as your driver’s license or passport. There is paperwork to be completed and we help you do that by going through each section together. That way you get to ask questions and we can highlight things you need to be aware of. This saves a lot of issues down the track if and when you need to make a claim.
6. What type of insurance can you do?
Because we are Waikato based Insurance Brokers, and we work with a range of insurance providers we can find insurance for almost anything – your classic car, your partner, your income and even insurance that can pay the mortgage if you cant. If it can be insured – we’ll find it!