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.
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
We couldn’t have asked for a better team than Emily and Ryan to help us navigate buying our first home. From the initial stages to the final unconditional approval, they made a complex process feel incredibly smooth and stress-free. Their communication was top-notch, and they were always available to answer our questions and offer expert guidance. If you’re looking for a team that is professional, proactive, and genuinely cares about getting you the best result, look no further. Highly recommended!
24 April 2026
As a first home buyer, my wife and I did not know anything in regards to the process of buying a home, attaining a mortgage and how it all works. After reaching out to Kris Pedersen mortgages, they paired us up with Eddy who was with us the entire step of the way. Eddy was very thorough in both his pursuit of getting us a mortgage at the best rates possible, but also explaining the ins and outs of it in great detail but also in a way that made us understand how it all worked. We are very thankful for the work that Eddy put in to making this all happen, and I would highly recommend him and anyone else at the Kris Pedersen mortgages team for anyone looking to jump into their first home or any upcoming property purchase and needing a mortgage. Thanks Eddy!
26 May 2026
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
I had a great experience working with Melissa throughout my property journey. From the beginning, she was professional, responsive, and genuinely helpful. She made the entire process smooth and stress-free, even while I was managing things remotely. What really stood out was her willingness to go the extra mile. She was always available to answer questions, provided clear guidance, and made sure everything was handled properly at every step. I truly appreciate her support and would highly recommend Melissa to anyone looking for a reliable and knowledgeable mortgage advisor. Thanks again, Melissa!
23 April 2026
