Whether we like the thought or not, further debt is a risk. It is a change or an alteration to your current lifestyle, and therefore will have its impacts. Decisions are made on the picture of a current position, and assumptions about the outlook of the future, but as we all know, life isn’t always a straight line, and unexpected events can occur.
Because it is difficult, or in most cases impossible to see what the future holds, it is important we then look to protect ourselves against the possibility of circumstances that are likely, or foreseeable. It can be a tough process to think about the possibility of negative occurrences, but it is definitely necessary to ensure we have ourselves insured, so that we can rest assured our loved ones and ourselves are taken care of financially.
If it’s been a while since you’ve had your insurances reviewed, it is definitely worthwhile to get in contact with us to see what can be offered. In most of the following cases we would recommend having a free review:
Significant life event or are expecting one, such as the birth of a child, marriage, buying a property (first, or investment), taking on further debt for any particular reason.
If you are self-employed and are paying high ACC levies.
Your premiums may be too high for the level of cover you’ve got.
Make sure that your cover is adequate, and/or appropriate for you.
If you hold your risk insurance with your bank (you maybe paying higher premiums for products with significantly less benefits).
If you have only been presented or have only One Companies product (there are others out there that maybe better suited to you).
In numerous cases, we have seen clients with inappropriate cover, or who are paying far too much for the level of cover they have, and in most cases this is due to not having a review often enough.
For the most part, studies have shown that New Zealander’s are underinsured. Smart investors take calculated risks, insuring against these risks will allow you to be certain that you will get the best of both worlds, along with also the peace of mind that you have all of your bases covered.
Typically, Statistically, these are some of the scary facts:
What could happen to this family?
These facts are significant when the following is taken into account; in your day-to-day life, your current position is taken for granted. Mr. & Mrs. Smith currently have commitments for their incomes. Being a typical couple with children in their 30’s, there isn’t a significant amount of surplus cash-flow, if one income were to be lost due to one of the above causes.
Wow we are impressed. Cannot recommend Kris Pedersen Mortgages enough. We have been dealing with Jessie on the purchase of our very first home and she has absolutely made an outstanding impression on us. Communication is impeccable, incredible knowledge and explains things so well from start to finish. Will absolutely be recommending to family, friends and business contacts in the future. Thank you guys! very impressed.
20 May 2026
My wife Jude & I have recently had a very positive experience with Kris Pederson Mortgages. Our refinance/borrowing to buy another property was reasonably complex & over two banks, Jessie Owen our account manager was incredible during this process. Her knowledge, patience & ability to get issues sorted as they arose was quite something to watch I would definitely recommend Kris & Jessie to anyone who is struggling with finance, that needs creative input or just a commonsense approach when dealing with banks requirements. Kris also provides excellent housing market updates via email & webinar. All the best with your journey
09 June 2026
I recently worked with Eddy Cheok at Kris Pedersen Mortgages for a refinance, and the experience was outstanding from start to finish. Eddy was incredibly efficient, kept me well informed at every stage, and provided valuable insights that made the whole process smooth and stress-free. What really stood out was his willingness to go the extra mile — he pushed back with the bank and successfully secured a better deal, which I really appreciated. The wider team at Kris Pedersen Mortgages were also fantastic, providing strong support throughout. I highly recommend Eddy and the team to anyone looking for a knowledgeable, proactive adviser who genuinely works in your best interests.
09 April 2026
As first home buyers, the whole process felt pretty overwhelming and after speaking with a few different brokers and going back and forth trying to find the right fit, meeting Ryan and Emily made such a huge difference. From the very beginning, they were incredibly kind, patient, and supportive, and they made us feel so much more at ease during such a big milestone in our lives. Couldn’t have asked for a better team to help us through the process of buying our first home. Thank you team for helping make this experience such a special one for us!
24 June 2026
We have had a tumultuous year, with plans changing quickly. Mark has been amazing at keeping up with our changes, taking the worry and stress away from us and helping us sleep at night! We trust his and the Kris Pedersen Mortgage Teams advice and know that they always take into account our aspirations and needs to ensure that they wrap the best possible finance solutions around us. Thank you so much!
19 May 2026
