Frequently asked questions.
Common questions about our services, insurance, mortgages and KiwiSaver.
Are you independent?+
Yes. We work across multiple insurers and lenders and provide advice based on your situation, not on commissions alone.
Do you charge fees?+
Some services may include adviser fees. We'll disclose all fees in writing before you proceed. Many insurers and lenders also pay us commissions, which we explain in our disclosure documents.
How much insurance do I need?+
It depends on your debts, living costs, dependants and existing cover. We run a needs analysis and present options with clear pros and cons.
Will my pre-existing conditions be covered?+
It depends on the condition and the insurer. Some policies may exclude certain conditions or apply loadings. We'll be upfront about likely outcomes before you apply.
Can you guarantee I'll get a loan?+
No. Lenders make the final decision based on their criteria. We help you present your application strongly and explain your chances realistically.
Do you work with a specific bank or lender?+
We work with a panel of major banks and some non-bank lenders. Tell us which lender you prefer and we'll let you know if they're on our panel.
Can I withdraw my KiwiSaver for a house?+
Possibly, if you meet first-home criteria and other conditions. We can explain the rules and required documentation, and coordinate with your mortgage broker.
What are the current KiwiSaver contribution rates?+
From 1 April 2026, the default rate is 3.5% for both employee and employer contributions, with options to contribute at 4%, 6%, 8% or 10%. Temporary reductions back to 3% are available.
My bank wants insurance for my loan — what do I need?+
Typically life, trauma and sometimes income protection on directors/guarantors, plus property and business interruption for secured assets. We review your loan docs and recommend appropriate cover.