Whose side are Mortgage Brokers on?
Wondering if mortgage brokers work for you or the bank? Learn how mortgage brokers in NZ are paid, what they do and how they can help you find the right mortgage.
Zhiyang Cheng,
Commercial Director & Financial Adviser
Advice for every stage, all our knowledge in one place.
Resources
Showing 1–18 of 79
Refix Mortgage NZ: What It Means and How to Decide If You Should Refix
Zhiyang Cheng · 5 min. read time
The Wise Parent’s Advice Guide for Kids Buying Their First Home
Zhiyang Cheng · 14 min. read time
Refinance My Mortgage in NZ: What You Need to Know
Zhiyang Cheng · 3 min. read time
Granny Flats NZ: New Rules, Rental Demand & What Homeowners Need to Know
Zhiyang Cheng · 6 min. read time
Should You Fix or Float a Mortgage in NZ?
Zhiyang Cheng · 4 min. read time
NZ Property Investment Strategies for 2026
Zhiyang Cheng · 5 min. read time
5 Critical Mistakes Every First Time Property Investor in NZ Must Avoid
Zhiyang Cheng · 4 min. read time
Property Investing NZ: Is Now the Best Time to Buy?
Zhiyang Cheng · 4 min. read time
How To Stop Relying on Capital Gains: The New Rule for NZ Property Investment
Zhiyang Cheng · 4 min. read time
How to buy 25 Profitable NZ Properties in 3 years
Zhiyang Cheng · 4 min. read time
Revolving Credit NZ: How It Works and Whether It’s Right for You
Zhiyang Cheng · 3 min. read time
20 Case Studies of Mum and Dad Investors Buying Properties with 8%+ Gross Yield
Zhiyang Cheng · 1 min. read time
How often should I review my insurance?
Think of insurance as something that moves with your financial journey, not something you set once and forget. A review makes sense when you buy a home, take on more debt, change income, start a family, enter a relationship, separate, grow a business or build meaningful assets. Even without a major event, a regular check helps make sure you're neither underinsured nor paying to protect risks you can now carry yourself.
Can insurance become unnecessary as I build wealth?
Absolutely, and that's an important part of our philosophy. Insurance transfers financial risk that you aren't yet comfortable carrying yourself. As debt reduces and investments and liquid assets grow, you may be able to retain more of that risk yourself. That can mean reducing certain cover and redirecting premiums toward debt reduction or investment growth.
Can you compare different insurance companies for me?
Yes, where those providers sit within the specialist adviser's approved advice panel. The important comparison isn't simply premium versus premium. Policy definitions, exclusions, benefits, underwriting outcomes and how the cover fits your overall protection strategy all matter.
Should I get insurance while I'm young and healthy?
There can be advantages. Insurance is generally influenced by factors such as age, health, occupation, lifestyle and the amount of cover requested. Getting protection in place before your circumstances or health change can make future insurability less of a concern. But the right time and amount still depends on your individual needs.
Will my medical history stop me from getting insurance?
Not necessarily. Your health history may affect the terms offered, resulting in standard cover, an exclusion, an additional premium, modified terms or, in some cases, cover not being available. The adviser helps you navigate this process before deciding what's appropriate.
What is Income Protection and who needs it?
Income Protection can provide a regular payment if illness or injury prevents you from working and you meet the policy criteria. It's particularly relevant when your lifestyle, mortgage or family depends heavily on your ability to keep earning.
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