Frequently Asked Questions – Mortgage & Insurance NZ
Welcome to our FAQ section! Here, we answer common questions about mortgages, insurance, self-employed loans, and KiwiSaver. If you can’t find what you’re looking for, feel free to contact us directly.
Home Loans
What types of home loans are available in Hamilton and the Waikato?
We offer a variety of home loans tailored to your needs, including fixed, variable, and flexible options. Our team can help you understand which option suits your situation best. Learn more on our home loans page.
How do I apply for a home loan if I’m self-employed?
Self-employed applicants can access loans through lenders who understand fluctuating incomes. We guide you to lenders who will work with your business records to secure the finance you need. Find out more on our self-employed loans page.
Can I refinance my existing mortgage?
Yes! Refinancing can help you secure better rates, adjust your repayment terms, or release equity. Our team in Hamilton can review your situation and connect you with lenders who can help. Find out more on our refinancing loans page.
Insurance
What insurance options can Mortgage & Insurance NZ help me with?
We can assist with life, income protection, trauma, and health insurance. Our experts connect you with providers who offer tailored coverage for your personal circumstances. See more on our insurance services page.
How do I make a claim on my policy?
We’ll guide you through the process and connect you with the insurance provider to ensure your claim is handled efficiently.
Self-Employed Loans / Business Lending
Can I get a loan if I run a small business or am self-employed?
Absolutely! We specialise in helping self-employed clients in Hamilton and the Waikato access loans. Lenders we work with understand variable incomes and new businesses. Learn more on our self-employed loans page.
What documents are required for self-employed loans?
Typically, lenders will need tax returns, financial statements, and business activity statements. We guide you on what is required for your application.
When are self-employed loans needed?
Whether you need a self-employed loan to buy a home or boost your business, we can help you connect with lenders who understand your situation.
KiwiSaver
Can you give me KiwiSaver advice?
We cannot provide KiwiSaver advice ourselves, but we can connect you with a trusted KiwiSaver provider in Hamilton who can give personalised guidance. Learn more about KiwiSaver.
How do I connect with a KiwiSaver provider?
Simply contact us and we’ll introduce you to a reputable provider who can help with your KiwiSaver needs.
General Financial Questions
How long does it take to get approved for a loan?
Approval times depend on the lender and your personal situation. If all documentation is complete, it typically takes a few days to a couple of weeks, but it can vary based on how busy the lender is. We’ll give you an accurate estimate when you apply — don’t assume next-day approval before talking to us.
What if I have more questions?
We’re here to help! You can always reach out to us with any additional questions about mortgages, insurance, or self-employed loans.
If you’re ready to take the next step, let us connect you with the right mortgage, insurance, or KiwiSaver provider in Hamilton and the Waikato. Get in touch today!