Know How Property

How much of your deposit is already sitting in your KiwiSaver savings is important because you might be closer to buying than you realise.

We often meet people who are trying to save harder…

Cutting back…

Waiting another year…

Without realising a large chunk or all, of the required deposit could already be sitting in your KiwiSaver account.

The problem isn’t usually eligibility. It’s clarity:

- How much can you actually withdraw?
- When can you access it?
- Does it cover your full deposit, or just part of it?
- And how does all of that fit with what the bank needs?

These questions matter *before* you start house hunting because once you know your real numbers you stop guessing and you start planning properly.

Your KiwiSaver savings could turn “maybe one day” into “actually… we could do this.”

If you’d like to know exactly how much you could access, and whether it’s enough to move forward, send a message to [email protected] and he’ll run through it with you.

Paul is all about making things simple, staying one step ahead, and being there whenever you need advice or reassurance along the way.

If you’re starting to think about your first home, or you’re not sure where to begin, this is your sign to reach out.

When was the last time you actually checked your insurance? Not signed the forms, not “set it up years ago.”

When did you actually check it?

We see this all the time:
• Cover taken out before kids
• Income protection based on an old salary
• Life cover that doesn’t match the current mortgage
• Policies sitting there… untouched

Your life has likely changed, but has your cover changed with it?

Insurance isn’t something you “set and forget.”

Your insurance cover should move as your mortgage grows, your income shifts, your family expands, or your goals evolve.

The reality is most people don’t know what they’re paying for; what would actually be paid out; or whether it’s enough.

A quick review can answer all of that.
No pressure. No obligation. Just clarity.
If it’s solid, great! If there are gaps we fix them; If you’re over-covered we adjust it; It’s that simple.

If you’d like a proper check-in on your cover, send a message to [email protected] and he’ll book in a time to go through it with you.

“How much insurance is actually enough?”

This is a powerful question because most Kiwis either:
A. Have no cover, or
B. Have no idea what they’re covered for

Insurance shouldn’t be a random number.

When calculating cover, we look at your:
• Mortgage balance
• Household expenses
• Dependants
• How long you’d need income replaced
• Existing savings

For income protection, for example, we look at whether 3 months off work would hurt? Would 12 months? Would 3 years?

For life cover:
We look at whether your partner be able to stay in the house? Would debts be cleared?

It’s not about “more is better”, It’s about “does this actually protect your life as it stands today?”.