Ensure your home stays secure
Your home is more than bricks and mortar; it’s security for you and your family.
Mortgage protection ensures your repayments are covered if you can’t work, so the place you call home stays yours.
Why you might need mortgage protection insurance
Your home is where memories are made and your family finds refuge. If you have a mortgage, losing your source of income could put that safe haven at risk. Mortgage protection ensures that if something unexpected happens, the repayments are taken care of. That way, your family can stay in their home without the added stress of financial uncertainty.
Ensures your mortgage is covered if you can’t make repayments due to injury or illness.
Keeps your home secure during tough times.
Reduces financial stress for your family.
Works alongside life or income cover for complete protection.
Coverage highlights
1
Monthly payments to cover your mortgage repayments.
2
Protection in the event of illness, injury, or mental health.
3
Flexible cover based on your income and repayment amounts.
4
Easy to adjust if your mortgage changes.
5
How is this different from income protection?
Mortgage protection focuses on protecting your home, and the sum insured can be based on your income, mortgage repayments, or rent payments, while income protection is solely focused on covering a percentage of your full income. Mortgage protection insurance also doesn't have offsets, meaning that if you were to be off work and have another source of income eg. ACC, this wont affect your monthly payment.
Can I change cover if my mortgage changes?
Yes, it’s flexible and can be updated. Let us know if anything changes on your end and we’ll make sure your policy is still the best one for you
Does it pay the bank or me?
The benefit usually goes to you, the policy owner, giving you flexibility.
Time to protect your future?
A quick chat is all it takes to get started. We’ll explain your options, answer your questions, and help you find the cover that feels right.
