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When disaster strikes, you count on your insurer being there to step in and bail you out. But what if they won't? What can you do to make sure your insurance company pays out? The best things you can do to ensure your insurance claims are never declined is to make...

For the first time in several years, house prices in New Zealand have started to plateau. Interest rates are on the rise too, so it’s not surprising that many homeowners are tightening their purse strings. You already know that the faster you get your home loan paid,...

While we can’t always control what happens to us in life, we can make the bad times easier. Insurance is all about having a Plan B for when life throws those random curve balls at you. Personal insurance is a contingency plan for those tough financial times that may...

Due to inflation, higher mortgage rates, tougher lending rules and increased housing supply, house prices in New Zealand are falling. The question many are asking is how far will they fall and when will the decline stop? A bit of house price history Before we get to...

In May 2022, New Zealanders owed a total of $590 billion on their mortgages. That’s a lot of money at stake, and making the right decision on how you structure your mortgage can save thousands of dollars. It’s why any inkling of rising interest rates keeps homeowners...

Inflation basically means your dollar will not go as far today as it did yesterday. Inflation erodes purchasing power. Inflation can be especially tough for people on lower and fixed incomes. For the better off, inflation means cuts to discretionary expenditure....

Life insurance tends to be one of those ‘adult’ things that people consider as they get older, but never know if they need it or not. Life is unpredictable and death unavoidable, but for some people, there’s more at stake. So, is life insurance a price burden or a...

For years, the country’s housing market has been on a seemingly unstoppable upward trajectory, and despite initial predictions, the pandemic’s arrival arguably only added fuel to the fire. Now, with rising inflation, property owners and first-home buyers are starting...

As much as we would like to be able to, there is precious little our team of mortgage brokers at Global Finance can do about rising interest rates. Working out ways to deal with increases in interest rates on your home mortgage, however, is something we can help you...

When buying a home in New Zealand, there are lots of decisions you’ll need to make and possibly the most important is whether to buy a new home or buy an older one. The idea of a brand-new home with shiny new fixtures, lovely new flooring, great layout, heaps of...

Alongside all the excitement that comes with purchasing a new home (especially for first-home buyers), there’s a long to-do list that needs ticking off. Taking out insurance is usually near the top, like house and contents insurance that gives homeowners protection...

Property investment 2022: the housing market is on the move When it comes to property investment, things can change fast – and this year, we’re seeing that in real-time. Since late 2021, interest rates and inflation have been on the rise along with new lending rules,...

More than 70% of mortgage terms are due to be refixed this year, but many homeowners are choosing to break early, switching their low fixed rate for a higher one. This may seem counterintuitive – why would you spend more before you have to? The short answer is...

Life insurance is one of those things you check off on your way to becoming a responsible adult, especially as you get married and start a family. In the event of your untimely death, there’s peace of mind knowing your family can pay the mortgage without taking on...

As of February 2022, the pandemic has caused more than 5.59 million deaths across the world. It’s also contributed to an increase in mortality rates and a decrease in life expectancy worldwide. As a result, the life insurance industry has paid out much more than its...

Secure a home loan with a 10% deposit While it might look all doom and gloom for mortgage rates and lending requirements in the current economic climate, don’t throw buying your first home into the too-hard basket just yet. A bank’s appetite to lend depends on several...

Sound financial advice with everything in-between I think it’s time to talk about the reasons a loan can differ and your experience in reaching your financial goals. It also matters incredibly from whom you seek financial advice. If you do your research, you will find...

When it comes to insurance, ‘full medical disclosure’ can make or break a claim. Disclosure requirements are commonly misunderstood and one of the leading reasons why insurance claims are denied. Our Global Finance expert insurance brokers are here to help you...