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Buying a new House.

Nov

18

Buying a new House.

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  Busy. Don’t like dealing with Banks. Let CMIS help with this process. After an initial interview we can give you an opinion on the best way to proceed with your mortgage so we get you a prompt approval and Letter of Offer.   What are the advantages of using a broker: In 99% of cases […]

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Mortgage Deposit Requirement under Review

Nov

18

Mortgage Deposit Requirement under Review

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Sensibility is coming to the fore to help new home owners. The Reserve Bank is now seriously deliberating a change to the deposit restrictions of a 20% deposit on house lending. We are of the opinion that by early- mid 2015 these restrictions will be reduced to 10% deposit requirements. Sales statistics suggest that the property […]

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Calculating your Dwelling Sum Insured

Nov

18

Calculating your Dwelling Sum Insured

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As a result of the Christchurch earthquakes insurance companies re-insurers require you to calculate the sum insured on your house. For the time being the days of providing the square footage only are gone. Tower have reverted back to a square footage basis however there are only limited re-insurers so our opinion is that others will […]

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How to Select an Insurance Plan

Nov

18

How to Select an Insurance Plan

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Selecting an insurance plan firstly depends on the financial situation and the degree of risk the Insured believe they can financial accept before the Underwriter steps in and accepts the remainder of the  risk. This can be  managed a number of ways 1 ) by a self insurance plan or 2) by using a higher excess a or 3) by […]

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Nov

15

Farmers and Lifestyle block owners

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If you are a Farmer or a Lifestyle block owner we can get you a very special rate and also discuss a better way to manage your ACC cover effectively so you will get paid for any time off work. Call us for an appointment to discuss your best solutions and cost and benefits.    

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Our Guide for different type of Mortgage Structures

Nov

11

Our Guide for different type of Mortgage Structures

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Hello. You probably ask “What do we do for you that I cant do myself”. Mortgages and young families need careful planning to protect your quality of life. We can help remove the stress that builds up when you in the process of shifting homes. We work to find the best possible solutions too get your […]

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