Do you have any of the following?
INSURANCE QUESTIONS:
MORTGAGE INTEREST RATES:
Do you have sucient life cover to cover your existing or proposed debt?
Do you consider this the minimum amount of cover needed?
Do you have income protection insurance?
If you are self employed, do you have appropriate cover to protect your business assets and income streams?
Have you reviewed your personal insurance requirements in the past months?
If you answer no or are unsure in regards to any of the above we strongly recommend you have a review as
part of this process. We can introduce you to someone who specialises in this field.
Would you like us to make this Introduction?
Interest rates to be reviewed?
Many people believe that because their rates are fixed, they need to wait until the rate expires before they can make any amendments, but
this isn’t true. As a free service we can review your interest rates, get in touch with lenders and find out firstly; if you have a break fee at all to
break your fixed rates, and if you do, and were to fix on a lower rate, we then run an analysis for you as to whether the new savings outweigh
the break fee. It is common for people tend to get very focussed on the break fee, but if your savings outweigh the break fee, then in many
cases it can make sense to break and re-fix. If you’d like us to run a Break Fee Analysis for you, please refer to our “Property Portfolio Form”
on the next page, and tick the box in the right hand column for the applicable mortgage.
Notes:
Insurance Advisor - Risk (Life/Income/Medical)
Insurance Advisor – House, Contents, Car
Property Manager
Accountant
Solicitor
YES
YES
YES
NO
NO
NO
UNSURE
UNSURE
www.krispedersen.co.nz
Lake Rd, Takapuna, Auckland
TEL: + | EMAIL: info@krispedersen.co.nz.co.nz