Protect your future with Futurisk Insurance. Offering personalised life, business, and income protection insurance, as well as expert mortgage brokerage services across New Zealand. Contact us today for tailored solutions. Today. Tomorrow. Together. At Futurisk, we’ve got your back, for you, your family and your business. Get specialised insurance and mortgages Personal Insurance Business Insurance Mortgages Kiwisaver/Investments Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more Freephone 0800 17 18 19

Access essential information, policy documents, and disclosures related to our insurance services at Futurisk Insurance in New Zealand. Important Information Important Information > Manawatu Disclosure Download Privacy Policy Dowload Waikato Disclosure Download Complaints Policy Download Kāpiti Disclosure Download General Insurance Disclosure Download General Insurance Kāpiti Disclosure Download Freephone 0800 17 18 19

Cleaning up after Christmas Cleaning up after Christmas Contact Us The Futurisk plan to escape Christmas debt: Make escaping debt a priority. This is the most important step: make a conscious decision that you are going to do whatever it takes, and make whatever sacrifices you need to make, to get out of debt as quickly as possible. Work out what you can do without. To become debt free as soon as possible will require some short-term sacrifices. Think about some things that you could do without for the sake of being debt free. Maybe you only buy coffee twice a week at work instead of every day. Maybe you don't buy that weekly magazine for a little while. Maybe you don't go out for dinner until the bill is paid. Whatever sacrifice you make, it will be worth it to escape the stress and financial cost of credit card debt. Just make sure you put the money saved towards paying off that debt. Pay off more than the minimum. This is the biggest mistake made by people with credit card debt. They believe that, by paying the minimum payment required each month, the debt will quickly disappear. While it will eventually disappear, it will be a long and costly process. The quicker you pay off debt, the more you save in interest and the better off you are financially. Having decided what sacrifices you will make with your spending, calculate how much you can put towards paying off your debt each month, and stick to it. Don't add any more to your credit card. The temptation is always there to treat yourself. "It's only a few dollars," we say. But all those few dollars add up. When the credit card interest rate is added to that, we are just prolonging our time in debt. Set a goal. Having made the decision to be debt free; and worked out where you can economise; and calculated what is the most you can repay each month; and having determined not to add anything to your card, set a date at which you can be debt free. Circle that date on your calendar or in your diary; keep that date at the forefront of your mind... it's the day you'll feel a great sense of release--you'll be debt free! Celebrate. Being debt free is something worth celebrating. Plan a celebration for the day you pay off your debt - but don't make it an expensive celebration, and don't put the cost of celebrating onto your credit card! The team at Futurisk would love to talk to you about all aspects of your personal finances and insurances. Beware Christmas debt! As we wander around the shopping malls leading up to Christmas, it's so tempting to pull out our credit card to buy gifts and treats for family and friends. Of course, our intention is to quickly pay off the amount owing as soon as we get back to work in the New Year. Problem is, for many New Zealanders that doesn't happen. Some credit card statistics Leading up to Christmas last year the New Zealand Herald reported: New Zealanders were collectively paying more than $600 million a year in interest on personal credit card debt. New Zealanders collectively owed $5.542 billion on plastic cards at the end of July 2012. Of this $5.264 billion was on personal credit cards. Nearly two-thirds of personal credit card debt is incurring interest. Despite credit card rates of just 12% being available, the average interest rate on outstanding balances is 17.8 per cent. That equates to $638 million in payments going into the pockets of financial institutions over the past year. Credit card debt is dangerous Now, I know most people will say, "But I pay off my card every month before it incurs any interest." The reality is, most people don't! Much of the debt loaded onto credit cards occurs in the period leading up to Christmas. Last December, we collectively loaded over 5 billion dollars onto our credit cards. Did we pay it all off within the month? No. In January this year we still owed over 3.5 billion dollars of that, plus the interest it was accruing. Credit card debt is dangerous because of the high interest rate it incurs. For many people, going into debt on their credit card puts them into debt for a long, long time. It makes sense to limit the use of your credit card leading up to Christmas, but just in case it's too late, here are a plan to help you clean up after Christmas if you find yourself in debt when January 2014 arrives. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Ensure your boat is protected with specialised pleasure craft insurance from Futurisk Insurance, offering tailored coverage for New Zealand's boating enthusiasts. Pleasure Craft Insurance Our Solutions > Personal Insurance > Pleasure Craft Insurance > Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Pleasure Craft Insurance Enquire Now Benefits with Futurisk Covers marine vessels used for private purposes, e.g. yachts, cruisers, wave riders, jet skis, dingy’s and sail craft Helps protect you if you accidentally injure someone or damage their property with your boat We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Boat insurance may also help protect you if you accidentally injure someone or damage their property whilst using your boat. Chat to one of your local advisers today to organise a personalised Pleasure Craft plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Find the best insurance and mortgage solutions in Waikato with Futurisk Insurance. Expert financial guidance for individuals and businesses. Futurisk Waikato Our Solutions > Waikato > We are your local Manawatu advisors who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 0800 17 18 19 +64 7 929 2296 enquirieswaikato@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisers well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Waikato Team At Futurisk Waikato our mission is to spend time getting to understand you and your financial goals so we can provide you personalised advice which is appropriate for your circumstances and needs. The Principal Adviser, Mark Henderson started in the financial services industry in 2003 as an Insurance Adviser and in 2005 became a consultant with Mortgage Solutions and Financial Services Ltd. In 2010 Mark helped develop the “M-Power” debt management service with Fortifi Financial Solutions and in 2013 he started his own company, Marlin Solutions Ltd. Marlin Solutions provided a range of financial services such as Insurance, Mortgages & Debt Management. In 2020 Mark and Marlin Solutions joined forces with Joe Singh from Futurisk Insurance Limited and they started a new company, Futurisk Insurance (Waikato) Ltd, trading as Futurisk Waikato. Futurisk Waikato are now able to provide expert advice on a wider range of financial services including Domestic Insurance, Commercial Insurance and other General Insurances. Futurisk Waikato also offers our specialised ABF Money Management Service to help kiwis take control of their finances and become debt free faster, saving thousands of dollars in interest payments. Our Waikato Office Meet our Waikato specialists Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Alaa Al Hassan Financial Adviser – Life & Health 027 244 5662 Bio Alaa is a Financial Adviser specialising in personal risk insurance, including life, health, trauma, income protection and accident cover. With nearly 20 years of experience in the insurance industry, including extensive work in the UAE, Alaa brings a wealth of knowledge and passion for helping clients protect what matters most — their health and financial security. Now based in Hamilton, with his wife and 2 children, Alaa holds the Level 5 Certificate in Financial Services and is dedicated to supporting individuals and families across the Waikato. Outside of work, Alaa enjoys playing basketball and spending time with his family. Email Andrea Mudaliar Financial Adviser 027 221 1442 Bio Andrea Mudaliar is a Financial Adviser specialising in personal and business risk insurance, ACC restructuring and KiwiSaver advice. Andrea is passionate about helping individuals, families, and business owners create financial security and achieve their goals. With a background in business ownership and financial services, she understands the importance of having the right protection and financial strategies in place at every stage of life. She holds the New Zealand Certificate in Financial Services (Level 5) in Life, Health & Disability Insurance as well as Investments & KiwiSaver. Based in Hamilton, Andrea lives with her husband Arty and is the proud mother of three daughters. Alongside her role at Futurisk Waikato, she co-owns a successful automotive business, giving her first-hand experience of the opportunities and challenges faced by business owners and self-employed clients. Andrea believes great advice starts with building genuine relationships and understanding what matters most to each client. She is committed to helping people make confident financial decisions and providing solutions that offer peace of mind for the future. Outside of work, Andrea enjoys spending time with family and friends, cheering on her daughters from the sidelines, and often being roped into managing or coaching sports teams. She values meaningful connections and helping others succeed, both professionally and personally. Email Get in touch with our Manawatu team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Learn about Futurisk Insurance, your trusted insurance and mortgage advisors in New Zealand. Discover our commitment to providing personalised and comprehensive financial solutions. About Futurisk About Us > At Futurisk, we’re trusted Advisers with over 30 years of experience looking after New Zealand households and businesses About Futurisk Based in Manawatu, Waikato & Kāpiti, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". That’s why our team of financial advisers will always work with you one-on-one to find the insurance solution you need. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. Why Futurisk Insurance? At Futurisk, we understand how difficult the insurance industry can be to navigate, and how hard it is to choose the right insurance plan that covers you, your family and your business. That's why we will work with you by making it simple and easy for you to find a great insurance plan. We also know how important it is for you to have security. That’s why Futurisk are here to make it simple and easy for you to find a good insurance plan. From simple enquiries, applications, claims and any other questions, it’s all covered by one phone call or email to your personal accredited financial adviser. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you only have to make one call. Contact Futurisk Insurance, and we’ll do all the hard yards for you. Specialising in Life & Health Insurance, Business Insurance, Mortgages and General Insurance. We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19 Our Company Profile Futurisk Insurance Limited was founded in 2011, originally known as Allied Financial Services by Joe Singh. Starting with a small team, Futurisk has expanded and grown into a team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by our friendly administration team, our ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial well being. As we have grown and continue to grow, we have formed strong alliances with the insurance providers, giving us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Managers (KAM) with these companies who are dedicated in assisting us with processing of the applications, and ensuring that policies are issued as efficiently as possible. In 2016 Futurisk General Insurance was formed to provide specialised advice in Domestic Insurance (e.g. House, Car, Contents) & Commercial Insurance (e.g. Public Liability, Material Damage & Business Interruption) In 2020 Mark Henderson , after 17 years’ of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Waikato) Ltd to combine resources and provide better service to existing clients (from Marlin Solutions) and new clients around the greater Waikato area (including Auckland & the Bay of Plenty) In 2023 Rex Duckett, with over 34 years of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Kapiti) Ltd to combine resources and provide better service to existing clients (from Inpro Group) and new clients around the greater Kapiti area. Overall, our dedicated team support one another, learn together and share each other’s success! We have high standards of achievements and have commitment to the company. To keep our Advisers well informed, they receive continuous education for new products that come up onto the market place, we hold regular team meetings, extensive trainings and outings. We value excellence and deliver way beyond client’s expectations. Our Values, Ethics, Morals and Integrity here at Futurisk are the most important factors of our business. Futurisk Insurance Limited, Futurisk Kāpiti, Futurisk Waikato and Futurisk General Insurance are independent Financial Services Providers, which means we work for the client and can explore many different options from a range of Insurance & Mortgage providers to provide the best possible cover for the individual needs of our clients. Our Mission and Vision Statement Our Mission Statement At Futurisk we are on a mission to: Provide quality insurance and mortgage solutions to our clients by offering our technical expertise and exceptional service Continually promote professional growth and development of our associates, advisers and employees by providing continuous training and support. Helping Futurisk staff to develop to their maximum potential allows them to offer you top-quality service for your mortgage and insurance needs. Develop and maintain good relationships with insurance providers who offer clients extra financial stability, full-service capability, and competitive products. Be your ‘one stop shop’ for all Insurance and Mortgage solutions by providing a service that is friendly, approachable and easy to work with. Futurisk are fostering friendly relationships with our clientele and establishing partnership with stakeholders (e.g. business sectors, NGO) and the community in general Together we can plan for strong, healthy, independent futures Our Vision Statement Futurisk Insurance have a vision for the future that includes you. Our vision is to help clients manage and understand risk factors in their lives and provide tailored strategies to minimize the impact of those risks. We will help you with your business or personal insurance, and mortgage solutions in a genuine and trustworthy manner. You can count on us today, tomorrow, together… Our Approach Quite simply, we work with you and for you!! What we can do for you Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you can create your own ideal plan right here or contact Futurisk Insurance, and we’ll do all the hard yards for you.

Book a consultation with Futurisk Insurance to discuss personalised insurance and mortgage solutions tailored to your needs in New Zealand. Book an Appointment Book an Appointment > Book an appointment to speak to a local adviser to support you through your insurance or mortgage needs. Book an Appointment Select Service* Appointment Location* Select Date* Select Time* Time : Hours Minutes AM Name* Phone Email* Book We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19

Secure your health with tailored medical insurance plans from Futurisk Insurance, providing comprehensive coverage for individuals and families in New Zealand. Medical Insurance Our Solutions > Personal Insurance > Medical Insurance > Health Insurance protects your most valuable asset – your health! Medical Insurance Enquire Now Why Health Insurance? More choice – you choose how you receive treatment, and with your GP or specialist, you decide when and where. Less waiting – while you wait for treatment your health could be deteriorating. If you’re in pain, waiting can be difficult and emotionally draining. Less worry – people often worry when they are waiting for treatment and so do the people who love and support them. You won’t have to worry about having the money to pay for the best treatment. Protects your income - bad health could result in time off work and lost income for you and/or your dependent family members. If you’re paying for treatment yourself, that’s an additional financial burden Access to leading edge treatments - Health practices and treatments are advancing rapidly. Private Health-Insurance can gain you access to treatments that you may not otherwise be able to afford Medical Treatment Facts Currently in New Zealand there is a shortage of senior doctors, a problem that is predicted to result in a shortfall of 670 full-time equivalent senior doctors by 2021. Significant numbers of senior specialist doctors reaching retirement age and lifestyle factors are contributing to the problem Medical emigration to fill demand for specialist doctors internationally is also putting pressure on New Zealand’s supply of specialist doctors in the future. Benefits of Medical Insurance Get an earlier diagnosis and treatment with the right health insurance cover. Easy Access to Specialist. Access to advanced treatments. No Financial Stress. What can it cover? Health insurance takes care of the big things like surgical and non-surgical treatment in a private hospital. It also covers consultation with specialists, medications, dressings, rehabilitation and the cost of staying in a private hospital. It may also include the following: Surgical and Non-Surgical Benefits Cancer Care Overseas Treatment Health Support: Ambulance transfers Home nursing care benefit Physiotherapy Hospice care benefit ACC top up Funeral cover Additional Options: Specialist Option: Provides funds for specialist consultations and diagnostic tests like XRAY, ultrasound or cardiovascular examination. Dental and Optical Treatment: Cover for dental examinations and orthodontic treatments. This plan also covers optometrist and optician consultations, prescription glasses, audiometric tests, acupuncture, chiropractic, osteopathy, podiatry treatments, and speech therapy. GP Options: Provides cover for day to day healthcare costs including GP consultations, GP minor surgeries, pharmaceutical prescriptions, physiotherapy and nurse visits. Pro-Active Health: Provides cover for health screening tests, allergy testing and vaccinations, dietician or nutritionist consultations and even gym membership. Best Doctors: A worldwide network of doctors offering you and your immediate family access to leading specialists from New Zealand and around the world. Excess There are various excess options to choose from to suit your individual requirements without sacrificing essential benefits Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Maximise your KiwiSaver benefits with professional advice from Futurisk Insurance. Get tailored investment strategies for your future financial security. Kiwisaver with Futurisk Our Solutions > Kiwisaver/Investments > Kiwisaver > Futurisk can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you. Kiwisaver Enquire Now Why use our kiwisaver advisers? Understand how a Kiwisaver scheme can benefit you – our advisers will provide advice and an understanding of how Kiwisaver will benefit you, and what process to take to get one setup, or change providers. Get on track to start saving – Our Advisers provide expert advice to get you setup, faster. We Work for You – Our Advisers work as your advocate – actively working on your behalf with the support you need. Enquire Now What is Kiwisaver? KiwiSaver is a voluntary savings scheme to help set you up for your retirement. You can make regular contributions from your pay or directly to your scheme provider. Kiwisaver offers you benefits that no other investment can. When you join a Kiwisaver scheme you will receive: Contributions from your employer (between the age of 18 and 65) Contributions from the Government (between the age of 18 and 65) First home withdrawal (conditions apply) Up to $10,000 first home grant (conditions apply) Your money is held in trust If you are employed you can choose to contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) salary or wage. The earlier you start saving the better off you will be. More about Kiwisaver To find out more about Kiwisaver schemes and funds visit Kiwisaver fund comparisons Our team can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you and your plans. Talk to an adviser Enquire Now Freephone 0800 17 18 19

See what our clients have to say about Futurisk Insurance. Read customer feedback on our insurance and mortgage solutions. Client Feedback Reviews > At Futurisk, you’re not a number to us, you become a friend. We get to know you and your circumstances and support you whenever you need us. Clear Guidance and Outstanding Support Thank you for your excellent support throughout our mortgage process. We really appreciated how clearly you explained everything, your quick responses, and your genuine commitment to helping us make the right decisions. We happily recommend your services to others. I have attached some photos as well. Thank you again. Clyde and Kath Life is sacred Life is sacred and we must do all our best to keep ourselves healthy and strong. But, even in this day and age of advanced technology and medicine, we still cannot guarantee an eternal life or a life that is free of any health issues. In one form or another, our body will just suddenly contract a disease that is unexpected to us whether it is through our doing or just a freak of nature. We see this every day on Facebook. On my timeline, I saw friends, family, relatives, colleagues and classmates in the past and current who suddenly got ill or who suddenly died. And I felt that there is no age, no economic status nor education can save us from neither illness nor death. And I am no different from them. I am just another human who will one day get ill or die. And then I looked at my life and saw my 5 children whom I brought to New Zealand. What will happen to them when I am gone? How are they going to cope in a foreign land all by themselves? That’s when I decided to get a Life insurance. And then one day, I met Financial Adviser of Futurisk Insurance through his son . He advised me that it is also good to have a little bit of help from the insurance while I am alive through the medical condition covered (i.e. progressive care). At least I don’t have to wait to die before I can enjoy the benefits. So that’s when I learned about Sovereign from where I took my Progressive care and Income protection. Then after less than a year of joining Sovereign, a regular smear test changed my life forever. I was suddenly diagnosed with cancer. It was so shocking and unexpected. My life was put on hold. I suddenly stopped working and stopped worrying about bills and everything else around me. All I focused on was to deal with pain and the treatment the Doctors advised me to go through. I was lucky to have met my financial advisor and got my Insurance cover because when I got diagnosed with cancer I felt someone has my back covered for my bills and my extended absence from work. I reached out to my medical condition and work protection cover. It was such a relief that there is someone or something that I can lean on in this difficult time of my life. All I can say is thank you to Futurisk for helping me get my insurance application processed. Insurance is an extra expense but an expense worth spending every dollar for yourself and your family’s future, most especially in times of your need. Loisa Reyes Auckland Best available plan Being a highly-organised and trained planner, and a very practical person to boot, I made sure I acquired different types of insurance so that I will have peace of mind. I saw how Carmela was hardworking and so driven with her job as a financial advisor and I wanted to boost her sales apart from making sure I got covered in all aspects of my life. Knowing that I just about done this, Carmela offered me the best available plan. She wasn't really after making a few bucks from me but showed real concern so I can experience the best benefits. She was even able to convince my husband to get the same insurance coverage. Kudos to Carmela, I now look at financial advisors and insurance coverage in a different light. More power!!! Mayette Cope-Sant Palmerston North Made the process easy I have multiple insurance policies via another insurance provider when I happened to have a discussion with Carmela regarding my search for the right Medical insurance plan for me and my Family. Not only had she gone out of her way to accommodate my crazy schedule, She also made sure that I was aware of the pro's and con's of each product and she really made sure that I had the best fit for my family. About a year after I had signed on with her - I was hospitalized and went into emergency surgery. Not only did Carmela visit and made sure that I was ok, She also made sure I was aware of the other benefits my medical cover had for me. I felt I was more than just a paying client and I felt that I was looked after. I received my renewal for my medical insurance this year and I was more than happy to renew my policy after the outstanding level of customer service I had received from Carmela. She is most definitely an asset to Futurisk and an amazing person to be on your side when facing extreme difficulties. She made the process easy and the policy comprehensible. I am now looking at transferring all my other insurance policies with her since she had shown me exactly how a policy holder is meant to be looked after! Loraine Trinidad Symons Palmerston North See more reviews Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Five Reasons to See a Mortgage Adviser Before Going to Your Bank Five Reasons to See a Mortgage Adviser Before Going to Your Bank Contact Us 4. Convenience and Time Saving The first time I took out a home loan was a long time ago. I knew little about finance and mortgages, but I was determined to get the best deal. I spent hours collecting brochures from various banks and comparing rates and loan terms. Then I filled out the applications to three different banks hoping that one would approve my loan. It was incredibly time consuming and I was never completely certain I was making the best decisions. A few years later, I was looking to refix and extend my mortgage. I still didn’t know a lot about home loans, but I had been recommended by several friends to use a mortgage adviser. What an incredible difference it was. I had one meeting with an adviser and they did the rest, streamlining the process, saving me time and reducing the stress. If only I knew then what I know today! 5. Ongoing Support Beyond Settlement Personalised support is something the Futurisk Mortgage Broking team prides itself on. You see, a good mortgage adviser doesn’t disappear once your loan is approved. We stay in touch or, if anything changes for you, we’re only ever a phone call or email away. Support includes helping you reassess your mortgage if your circumstances change and checking that your loan remains competitive over time. We are there for refixes and mortgage extensions or if you find yourself in need of financial advice relating to your mortgage. The proactive ongoing support provided by a mortgage adviser can make a big difference to your long-term financial health. Your Mortgage Adviser is your Advocate Banks are important but they’re not always the best starting point when you’re looking to borrow money for a home. A mortgage adviser acts as your advocate with banks and other lenders. We offer choice, expertise, and convenience. If you or someone you know is looking for a mortgage that best fits your life’s circumstances, give Futurisk a call today. You’re looking to purchase a new home and need a mortgage so it’s obvious—you just drop into the bank you’ve always used and ask for a home loan, right? No. Just hang on a second. While many borrowers instinctively turn to their bank when taking out a home loan, there is another way. Working with a mortgage adviser from an independent company such as Futurisk can mean significant advantages. Whether you're a first-home buyer, or looking to buy an investment or holiday property, or wanting to refinance your existing loan, here’s five reasons why meeting with an independent mortgage adviser might be your best course of action. 1. Access to a Range of Loan Products Because banks will only offer their own mortgage products, your options are limited. The bank will prescribe the type of loan, how it is set up, the interest rate, the repayment terms and all other aspects to the loan. Mortgage advisers, on the other hand, have a relationship with multiple lenders. These will include major banks, credit unions, and non-bank lenders. At Futurisk Ltd, we’ll listen to your individual needs, compare a wide variety of loan products, and recommend the one that best suits your financial situation and goals. 2. Potential for Better Rates and Terms The broad network of lenders that a mortgage adviser has access to means they can often negotiate aspects of your loan such as interest rate and loan terms. As mentioned above, at Futurisk, we take time to understand your credit profile, income, budget, and borrowing needs. That means we can match your needs with the loan that is most beneficial to you. 3. Expertise and Support We don’t want to blow our own trumpets, but the clue is in the name; “Mortgage Advisers” are experts in all aspects of mortgages. Rather than telling you what is best for you, a mortgage adviser will guide you through every step of the home loan process—from pre-approval to settlement. We’re mortgage experts who will help you understand the fine print, avoid common pitfalls, and ensure your application is complete and accurate, which can improve your chances of approval. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

How to decide before you buy something How to decide before you buy something Contact Us THREE: What will this item really cost me? If ever you decide to buy something on credit, the first question you should ask it this: "What will this actually cost me?" Recently I saw a lap-top that I'd quite like. It cost around $1,000. But there was a deal - the store said I could have it for just $10 a week spread over three years. $10 a week didn't seem much, until I worked it out. Spread over three years, $10 a week is a lot more than $1,000 - it's $1,560! You see what I mean? It wasn't such a great deal after all. I was paying one and a half times what the lap-top would have cost if I paid cash. Avoid purchasing anything on credit, but if you do, calculate the actual cost of the item - it may make you change your mind! FOUR: What can't I have if I buy this? We all have a limited amount of money to spend. That means, when we spend money on one item, we have to go without something else. So, before you buy anything ask yourself, "What is it that I won't be able to afford to buy?" Then ask which of those items you'd rather have. Remember this, if we buy a luxury item with cash, but then have to put our weekly groceries or petrol on our credit card, we have, in effect, gone into debt for that luxury item. FIVE: Will buying this item blow my budget? This question is like a summary question of the previous four. Living without a budget is dangerous for our personal finances. But a budget is only worth anything if we stick to it. So, if you don't have the available money to buy that treat, put off buying it until you do, it could save a lot of heartache in the long term. If you'd like any advice on your personal or business finances, contact the team at Futurisk. "Your money is burning a hole in your pocket." That's a phrase my mother used to use. It's another way of saying, sometimes we just feel like buying something! And, we've all felt like that at some time or another. We're down at the mall and we see something we'd like. We say to ourselves, "I've got to have that, and it only costs..." The reality is this, every time we purchase anything it impinges on our future lifestyle and living standard. That's why we need to pause and ask ourselves a few searching questions before we pull out our eft-pos card. Here's Futurisk's five questions to ask before you buy anything: ONE: Do I really need this? Impulse buying can quickly lead to regret, especially when a credit card is used. While there's nothing wrong with buying the occasional luxury, we need to ensure those purchases are within our budget. The best thing to do is set aside some money for those treat-type items, and stick to your budget no matter what! TWO: If I buy this, will I go into debt? The answer to this question is always, "yes," unless you're buying with cash, eft-pos or debit card, or you can clear your credit card before the next due date. New Zealand is facing a debt crisis and this is the number one way ordinary New Zealanders get themselves into trouble with their personal finances;we overspend on our credit cards. It only takes a small luxury here and another small one there, and before you know it - you're struggling to repay your credit card debt. The simple rule is - avoid going into debt View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19