Six Things Your Bank Will Never Tell You Six Things Your Bank Will Never Tell You Contact Us 4. Bouncing cheques are good for your bank’s business as long as you don’t write too many. Providing there’s no fraud involved, your bank earns big bucks every time a cheque bounces. Not only do they sock you with a fee for the bounced cheque, you'll pay a higher rate of interest if you go over your agreed overdraft. 5. You can pay your entire credit card bill by setting up a direct debit like you do with your power or phone. Banks don’t actively encourage customers to do this. Why should they? They can’t earn interest on your credit card if you pay it off each month. For the bank, the best credit card is one that has money owing on it. 6. Bank advice may be self-interested. Sometimes, when you use your credit card to book overseas travel-related items,you will be charged interest immediately; e.g. if you use your card to book a hotel room for a trip you are to take three months' time, you may be charged interest from the time of booking rather than the time of staying in the hotel. In a similar way, if you rent a car overseas the trader ma reserve an amount of credit to secure their payment or to cover any possible damage to the car etc. That means, you may find when you use the card it has less credit on it than you expected despite you having actually bought anything. Most people know nothing about the lodging security until it's too late. If you are travelling overseas with your credit card, or using it overseas with your credit card, or using it overseas from within New Zealand, it pays to find out first, what the various conditions of use are. So, these are Futurisk's six credit card traps. One thing we cannot stress enough- avoid credit card debt. What if I'm already in debt? If you find yourself struggling with debt right now, contact the team at Futurisk. We may be able to restructure your debt in a way that savs you hundreds, even thousands of dollars. This information is adapted from Consumer Magazine (January/February 2006, Issue 455, Page 23). There’s something every person who uses a bank needs to understand—a bank is a business. It exists to make a profit and it does that by maximising the use of your hard-earned cash. Knowing how they do that could save you money. Here are six things your bank will never tell you: 1. Your bank wants you to overspend and stay in debt. That may sound a little harsh, but that is the simple reality. You see, banks make money from people who are in debt. In fact, if you are $250,000 in debt you are a better customer for a bank than a person with $30,000 cash in their savings account. The more you spend the more interest the bank earns from you. And, if you’re prone to cheques bouncing, or if you don't pay your credit card bill off in full every month, then you are the bank’s best-friend. 2. A bank’s review of your account is really a sales pitch. The bank is thinking of its bottom line, not yours. If you’re offered a review of your finances or get a call from your “personal banker,” then chances are they want to sell you a new product—usually insurance. It could be that the product on offer is good value, but ask yourself two questions: Do I need the product at all? And, is the bank’s product better than the one I already have or can get elsewhere? 3. Banks prefer to keep their savings-rate changes under wraps. When banks advertise new accounts with flash savings rates, they do so to attract new customers. The banks can’t afford to put their existing customers on these new high-flying rates and they often don't tell you about them. That’s why it pays to ask. 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

Insurances You Can’t Live Without – General Insurance Insurances You Can’t Live Without – General Insurance Contact Us Insuring the things you own – contents insurance. While house insurance covers the actual building you live in, Contents Insurance covers the possessions within that building. Usually it’ll also cover those possessions while they’re temporarily out of your home (but not while they’re overseas). Most insurance companies separate Home Insurance and Contents Insurance into two separate policies and will give a discount if you take out both with them. There are two simple mistakes people can make with Contents Insurance policies. The first is to be under insured. The average New Zealander has their home contents insured for around $50,000. The average value of contents within a home in New Zealand is nearer $100,000. That may seem a lot, but take a walk around your home and begin to total up the value of everything you own—from your television to your computer, bedroom furniture, curtains, tools in your garage… it all adds up. The second mistake is to not read and understand your Contents Insurance policy before signing up for it. Many people assume they have a comprehensive policy only to find, at claim time, that it’s quite basic with many things not covered. Insuring your vehicle. To drive without car insurance is very unwise. It has caused many people to fall into debt that becomes very difficult to get out of. There are two main types of car insurance: The first is third party insurance. This is the most basic of policies and will cover any accidental damage you cause to another person’s vehicle or property, but does not cover damage to your own car. The second is comprehensive or full cover vehicle insurance. This covers damage to both your car, and any other vehicles or property you might accidentally damage. Full cover Vehicle Insurance is more expensive than a third party insurance policy, but, unless you can afford to replace or go without your car while, you save for a replacement, you should purchase full vehicle insurance cover. In all of this, remember that insurance is an essential part of your personal finances. Without it you can find yourself in debt; and once in debt, it can be very difficult to escape it. Sometimes it’s easy to feel like insurance is a waste of money, particularly if we’ve never made a claim. Before you get to thinking this way, however, remind yourself what insurance is for. When we purchase insurance, we’re purchasing a product. It’s like when we pay for groceries or petrol or a new television. In the case of insurance, we’re buying protection for our assets and for our financial future. A simple fact of life is this, unfortunate things happen. These things happen when we least expect them, and often catch us completely by surprise. In New Zealand today, one of the most common ways people fall into debt is through the unexpected need to replace a lost or damaged asset that was not insured. Here’s a general rule to bear in mind: anything you need for day to day living, which you could not replace with cash if you lost it, needs to be insured. In general, that boils down to three things: your home, your house contents, and your vehicle. Insuring your home – house insurance. House insurance—everyone has it, right? No. Not everyone does have their home insured. Following the Christchurch earthquakes it was discovered that around 15% of people were not insured and almost half of the homes that were severely damaged, were underinsured. You never know when your home will be damaged or how. Insuring your house: Following the Christchurch earthquakes, insurers have revised their method of assessing a home’s worth. For many years, insurance companies have used a formula based on size, improvements, building materials, etc. to calculate the cost of rebuilding a property. This is about to change. From this year, homeowners will have to state the amount they wish their home to be insured for, and the premiums will be set accordingly. This is good in one sense because it means you will receive the amount of money required to rebuild your home—provided you have insured your home for the proper amount. This new assessment method means you may require a valuation on your home to determine its replacement cost. 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

Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Contact Futurisk Contact Us > Contact Our Team For Personalised Insurance Solutions - servicing Wellington through to Kapiti, Palmerston North, and Waikato. Our locations Futurisk Manawatu 0800 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz 178 Broadway Ave Palmerston North 4410 PO Box 5252, Terrace End Palmerston North 4441 Futurisk Waikato 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 Futurisk Kāpiti 0800 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Otaki PO Box 134, Ōtaki 5542 Contact Us Our financial advisers are dedicated to providing exceptional service to our clients when it comes to health and life insurance, business insurance cover, home and contents insurance, and travel insurance coverage. Name* Phone* Email* Message* Submit 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

Ensure your mortgage payments are covered in case of unexpected life events with mortgage protection insurance from Futurisk Insurance. Mortgage Protection Our Solutions > Personal Insurance > Mortgage Protection > Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Mortgage Protection with Futurisk Enquire Now Additional Options Redundancy Cover If you are made redundant, you’ll be covered with monthly payments for up to six months.. Retirement Protection (KiwiSaver) Under this benefit you can keep contributing to your KiwiSaver while you’re on a Total Disability claim, helping you to continue receiving the member tax credit. This contribution is an addition to your monthly benefit. Mental Health Limitation This option will reduce your premiums and you will receive payments for only two years throughout the life of your policy should you make a claim for mental health. Dependent Care Benefit This option will provide you with a proportion of a monthly benefit should you need to give up work to provide full-time care for a relative who can no longer take care of themselves because of total disability. Claim Indexation Your sum insured will increase every year according to the CPI, (New Zealand Consumer Price Index). This helps your sum assured stay in line with inflation. Benefits of Mortgage Protection World Wide cover Recurrent Disability Benefit Vocational Training Benefit Home modification of Equipment Support Waiver of Premiums Suspension Cover Benefit Back to work payment What can it cover? Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Why Mortgage Protection? For many people their house is their most valuable asset. If you are unable to work due to an illness or injury, Mortgage Protection Cover can provide you with regular monthly payments so you won’t be worried about your mortgage or rent payments when you would be better off focused on regaining your Independence. Cover Options: You can choose to cover up to 115% of your contractual mortgage repayments on your residential property. Up to a maximum of 45% of your gross income. Offsets No offsets apply. Mortgage protection does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4-104 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 1 - 5 year payment periods with options for your policy to end at ages 65 or 70 years old. 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

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

How to Navigate New Zealand’s Changing Investment Markets. How to Navigate New Zealand’s Changing Investment Markets. Contact Us Equity Market Outlook The NZX 50 index has had some ups and downs lately — you’ve probably noticed your KiwiSaver and other investments dipped slightly in the first quarter of this year. The outlook remains positive, however, and you will have also noticed that, in the past month or two, your investments have started to pick up again. With interest rates coming down, shares are becoming more attractive to investors, and company profits are expected to improve as the economy continues to recover later in 2025. This is good news for investors so keep your eye on your investments. Government Initiatives to Attract Investment A further encouragement for investors is the policies that the government has implemented to attract foreign investment. These include easing 'golden visa' requirements and positioning New Zealand as a 'safe harbour' for investors amidst global economic volatility and uncertainty. Globally, New Zealand is perceived as a socially cohesive, safe, and stable nation which has revitalised the economy and bolster investor confidence. Conclusion So, it’s true that recent shifts in New Zealand's investment markets have caused concern for many. However, the underlying economic indicators and proactive government policies suggest a trajectory towards recovery. At Futurisk, we advise investors to stay informed and, as is always the case with investment funds, maintain a long-term perspective, because the current financial environment presents numerous opportunities for growth and resilience. If you have any questions or concerns about your KiwiSaver or other investments, please give your Futurisk Financial Adviser a call. Caution, not panic is the key. New Zealand's investment markets have experienced notable shifts in the opening months of 2025. Many of these shifts have been as a result of overseas events which are out of our control, such as changes of governments, inter-nation conflicts and changes to international trading conditions. It’s natural that such changes will lead to some investor concern but there’s no need to panic. In fact, at Futurisk, we believe there are real reasons for cautious optimism. Economic Recovery Underway 2024 was a challenging year. Phrases like “looming recession” made many of us nervous and we watched with concern as our investment savings dipped a little. As we progress through 2025, however, the country’s economy is showing definite signs of recovery. In the fourth quarter of 2024, GDP grew by 0.7%, surpassing expectations, with projections indicating growth of 1.4% in 2025 and an acceleration to 2.7% in 2026. On top of this, the Reserve Bank reduced the Official Cash Rate to 3.75% with the aim of stimulating economic activity. 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

Struggling with debt? Futurisk Insurance provides expert debt management services, helping you regain financial control and restructure your loans. Debt Management with Futurisk Our Solutions > Mortgages > Debt Management > Tailored Debt Management Plans and Debt Reduction Services to get you on the pathway of financial freedom. Debt Management Enquire Now The benefits Imagine paying off your mortgage faster than you initially thought and not paying those overseas lenders all that interest, what could you do with that extra income? Dare to dream! Financial freedom may not be as difficult to achieve as you thought - give Futurisk Waikato a call to arrange a meeting, either at your own home, workplace or another convenient location of your choice. Take the hassle out of managing your finances and become debt-free faster with your own Debt Management Plan. With the right plans in place, you can get the most out of your money instead of the bank. Futurisk Waikato can also help you get the right home loans, and the right insurance cover, so with the help of your own Debt Management plan, you can still be debt free even if a disaster does occur. Enquire Now Why choose Futurisk? One of Futurisk's Insurance Financial Advisers can complete an audit of your income, your expenses, your debts and your plans for the future. This information is then analysed and entered into the Xero accounting program. You will be provided with a personalised Financial Overview of your current financial situation as well a personalised Debt Management Report which will show you how you can achieve your financial goals and save thousands of dollars in interest by becoming debt free faster and more efficiently. Who Keeps track of your Money? We can help you: Get proactive with your money and be in control of your finances Set and achieve financial goals Take the hassle out of managing your finances Save money in Interest costs Pay off your debt faster Increase your wealth / equity The plan process Our Futurisk team use and recommend Debt Management Plans with Xero which will help you manage your household finances like a well run business. It starts with your own Personalised Plan, based on your financial audit Then this plan is entered into a personalised accounting program by Xero, which connects to your online banking, so you are able to run your home finances like a business and monitor and track your progress Then you are provided with Training and Support to help you get the most out of Xero and your Debt Management Plan, including telephone reviews, so you gain equity faster and save time and money in the process! We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Protect your business with tailored insurance solutions from Futurisk Insurance. We offer coverage for various industries across New Zealand. Business Insurance options with Futurisk Our Solutions > Business Insurance > Book a free appointment here Business Insurance options Business Interruption Contract Works Material Damage Cyber Insurance Commercial Motor Vehicle Liability Insurance Rural Insurance Chat to one of your local advisers today to organise a personalised Business Insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 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

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 Freephone 0800 17 18 19

How to know if a reverse mortgage is for you How to know if a reverse mortgage is for you Contact Us So, is it a good idea for me to take out a Reverse Mortgage? This is a decision only you can make. There are, however, a few things you need to consider; Is there some other way to raise the cash you require? Reverse Mortgages are expensive. If the amount of cash required is small such a loan is not worth the cost of the setup fees etc. Even for a larger amount of money, it makes better financial sense, if you can afford the repayments, to take out a standard mortgage or personal loan, or free up cash by downsizing your home. Find out how portable the loan will be; i.e. if you move home do you have to immediately repay the loan, or can you attach it to your next home? Before entering into a Reverse Mortgage (Home Equity Release Mortgage) make sure you seriously consider the effect it may have on your future, especially as regards any move you may wish to make and the capital you'll need to make that move. Also consider how important it is for you to be able to leave something to your children in respect of an inheritance of some sort. Some companies offer what is known as a no-negative-equity guarantee which is exactly what is says; a guarantee that ensures that when you sell your home, if you receive less for the home than the value of the outstanding loan, neither you nor your estate will have to make up the shortfall. Get professional advice in this regard if you need it. Shop around for a good deal. Make sure you read the contract well and understand exactly what the deal you're offered really means before you sign anything. If you're on the pension (and Reverse Mortgage recipients usually are) make sure that receiving funds such as these do not jeopardise the receipt of your benefit. The Bottom-line: Reverse Mortgages are not a bad idea, but neither are they necessarily a great idea. If you have an urgent need for cash, e.g. for a surgical operation or the like, then a loan like this can be perfect for your needs. However, make sure you understand the drawbacks. They are expensive, and much of the expense is invisible. That is, it is in the form of interest repayments which are constantly growing without you realising it. Also, if you have no family and no one you want to leave your home to you may as well spend your money before you go! In that case, a Reverse Mortgage may be perfect for you. However, if you have family or others you are hoping to leave a nest-egg to, beware. If you have a need for some extra cash, perhaps a better scheme would be for those who you're wanting to leave money to, to take out a loan on your behalf. That way it's like they're making an investment in a property that should increase in value over time. For more information on home loans, refinancing your loan, or interest rates, contact the team at Futurisk, enquiries@futurisk.co.nz . You've probably heard of a Reverse Mortgage, sometimes called a Home Equity Mortgage. With our aging population, they are becoming more common. Reverse Mortgages can be a good way to free-up money to spend on things you want - provided you're aware of the many pitfalls. What is a Reverse Mortgage? A Reverse Mortgage enables you to borrow money against the equity you have in your home, up to a proportion of the value of that property.Repayments on the loan are made when you leave the property; that is often when a person sells, moves into a retirement home, or dies. How much can I borrow? The lender will calculate the maximum amount you can borrow according to your age and the value of your home. If you're aged between 60 and about 65, you will usually be able to borrow about 20% of the home's value. This proportion increases as you get older, so that by the time you're over 85 it can be as much as 45% of the house value. How is the loan paid out? A Reverse Mortgage loan may be paid out in one of three ways; a lump sum, which is great if you are borrowing for a particular one-off purchase; small regular payments, which is perfect if your retirement income is not enough to cover your regular expenses. This option is not offered by all companies, however. a line of credit or a revolving credit loan. Would I be eligible? To be eligible for a Reverse Mortgage, you must own your own home and, usually, be 60 years or older. Are there other things I should know? Setting up a Reverse Mortgage can be expensive. You will be required to have your home valued, that will cost around $400. Some companies insist you do this every five years or so which can become quite a sizable on-going expense. Then there will be set-up fees for the loan. These can vary from around $1000 to $2000 plus legal costs. What's more, most companies will insist that you keep up with payments for insurance on the home, and that property maintenance is kept to their standard What about the interest rate? Be careful! This is where things can get expensive. You do not make regular repayments on a Reverse Mortgage loan. The loan is repaid in full when the home is sold or you no longer have control over it. Your interest rate will be higher than a normal mortgage rate and, as it compounds, you can quickly lose the equity in your home. 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

Six Tips to Help You Pay Off Your Mortgage Faster Six Tips to Help You Pay Off Your Mortgage Faster Contact Us 3. Make repayments fortnightly, not monthly Most banks will set up your mortgage with monthly repayments; request fortnightly repayments. What that means is that, over a year, you’ll make 26 half-monthly repayments rather than 12 monthly payments – that’s two extra repayments per year. Over the course of a 30 year mortgage that can save you thousands of dollars. 4. Make lump sum repayments If you have a tax refund or some other windfall, put it on your mortgage. It will go straight towards paying off principal owed and save money on interest repayments. 5. Track your finances Many people could radically improve their personal finances if only they kept track of their income and expenditure – that means, keeping to a budget. Remember, even small amounts of money saved and put on your mortgage can save thousands over the period of your mortgage. 6. Set your mortgage up with part revolving credit Of all the tips to save money on your mortgage, this is the most effective. It can be tricky to set up properly and you may need some financial advice to do it. Once set-up, however, it can save you tens of thousands of dollars and many years of mortgage repayments. The team at Futurisk would love to talk to you about all aspects of your personal finances. Click here to contact Futurisk. I remember when I was about Intermediate School age (a long time ago), my mother would give me $20 each fortnight and I’d take it to the local building society. It was the mortgage money. Having taken out a mortgage, my parents faithfully paid back the required sum every fortnight until every dollar of the interest and principal were paid off. No thought was given to ways of saving on those mortgage repayments. These are, however, simple things you can do to speed up your mortgage repayments saving you both money and time. Here are Futurisk’s six tips to help pay off your mortgage faster: 1. Start early Whatever strategy you decide on, start as early on in your mortgage as you can. In fact, think about how you will repay your home loan before you even sign up for it. Perhaps get some advice from a financial solutions company like Futurisk or from your accountant. This is because, with a table mortgage, which most mortgage-holders will have, the early payments are mostly interest with little principal being repaid. Then, as time goes on, the proportion of interest per payment decreases, and the proportion of principal per payment increases. So, the sooner you begin on a plan to speed up the paying off of your mortgage, the more you save. 2. Each fortnight, pay a little more than the bank asks for If you pay any amount over what the bank asks you to pay on your mortgage, that amount will go straight into lowering the principal owed and therefore lower the interest you are paying. Over the life of your mortgage even a small amount of extra money paid per payment can save tens of thousands of dollars. Here’s another little trick: over time, most mortgage repayments will decrease. Many home owners look forward to this and see it as extra money in their wallet. However, by keeping your repayments the same throughout the life of your mortgage, a lot of money can be saved. 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