What happens if you fail to disclose information to an insurer?
Currently the NZ law does not make a distinction between deliberate or innocent non disclosure. Effectively if you just left information out of an insurance application unintentionally or by accident, the insurer can still decline your claim, avoid your policy or make changes to your policy.
Contact Thorners if you need insurance advice and we will work with you to ensure that you understand the proposal form and disclose the relevent information.
Thorners service clients New zealand wide and are an award winning insurance agency offering personalised service.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Mortgage Interest Rate changes 23 February 2009
Mortgage interest rate adjustments continue and Thorners now have a low 5.80% p.a. 12 month interest rate available.
Longer terms from 48 months at 6.30% p.a. and 5 years at 6.50% p.a. have risen slightly since last week.
Contact Thorners to review your current mortgage situation and to see if we can help you to ease the current financial squeeze.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Mortgage Interest Rates Dive
Mortgage interest rates dive
If you are feeling the financial squeeze, ask us to review your current mortgage arrangements to see how they can be restructured to take advantage of the new lower interest rates. You may be surprised how simple the process is and the savings to be made.
We can offer a fixed interest rate of 5.95% p.a.** for terms 6 months through to 2 years, no refixing fees on fixed rate rollovers and no ongoing bank transactional fees.
We specialise in…
· New purchases;
· Top ups to clear existing debt;
· Refinancing your existing mortgage;
· Home Equity Release (Sentinel Lifetime Loan);
· All of your insurance requirements
New Zealand wide service – let us know your situation today to allow us the opportunity to provide some options
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Call us today….
Thorners
22-26 Main Street, Upper Hutt
04 528 8088
** Mortgage Interest rates quoted are current at 19 February 2009 and subject to change – please call us to confirm
All lending is subject to meeting lenders application requirements and their acceptance of your application
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
KiwiSaver Mortgage Diversion
KiwiSaver Mortgage Diversion is almost with us. Many KiwiSaver members become eligible after contributing for 12 months and final sign off by the Bank’s and Government is expected shortly.
Mortgage Diversion will allow up to half of a members personal KiwiSaver contributions to go towards paying off the personal mortgage on their home, so long as the mortgage provider and their chosen KiwiSaver provider offer this facility.
Not all mortgages will qualify for Mortgage Diversion under KiwiSaver regulations, e.g. currently KiwiSaver contributions cannot be diverted into a mortgage that contains a revolving credit facility or a mortgage secured over a property held in a family trust. It is also limited to a saver’s principle residence (i.e. the family home). Secondary properties like holiday homes, investment properties and LAQC’s are excluded.
Click here to learn more about Thorners Life Insurance Services or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
