LENDING HUB

Personal Risk Insurances

By personal risks we mean –

  • Unexpected death,
  • Serious illness or disability
  • Loss of Income due to illness or disability
  • Getting access to private medical care and leading drug treatments.

We will provide a comprehensive insurance plan for you that will be tailored to your specific needs. When determining what these needs are, we ask you what financial help you would need should any of the events above occur unexpectedly in your life. This means the insurance plan we develop for you is built around what you want. It is designed to ensure to the extent possible, that each of the financial outcomes you need can be delivered if the unexpected happens. We also know that the cost of any insurance plan will need to fit within your budget, so we will make any adjustments necessary to make the plan affordable for you.

We have access to leading life, disability and medical insurers. We also have access to excellent research tools which enable us to advise on which insurer can offer you the best cost/benefit solution to meet your needs.

Arranging the insurance for you is only part of the service we provide. Should you have a claim on your policy we can manage this process for you too. Our aim will be to get your claim paid as quickly as possible and limit the need for you or your family becoming involved in this process.

The insurance products most commonly used in the advice we provide are:-

LENDING HUB

Life Cover

Life cover pays a lump sum on death or, on the diagnosis of a terminal illness that will likely result in death within 12 months. It provides peace of mind  that the financial wellbeing of your loved ones will not be compromised should you die unexpectedly. It can be used for things like –

  • Repaying all or part of your mortgage debt
  • Replacing lost income for a period of time.
  • Covering the costs of tertiary education for your children.
  • Covering a period of unpaid bereavement leave
  • Contributing towards funeral expenses

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Income Protection insurance

These insurances pay a monthly benefit where illness or disability prevents you from working and your income ceases. Many people overlook the fact that their ability to continue earning an income is probably their greatest financial asset however it is often not covered with insurance. Do a simple calculation yourself? Multiply your current gross annual salary by the number of years you will work until retirement, and you will be surprised. Then ask yourself the question, how would I cope financially if my income suddenly ceased?  You can insure up 75% of your gross income and in most cases the premium you pay is currently tax deductible.

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Total & Permanent Disability insurance

This type of insurance covers those situations where an illness or disability is such that you will never ever be able to work again. Disabilities of this nature have a greater financial impact than death because not only has the income of the disabled person been lost forever, the cost of their ongoing care must be met as well. 

trauma insurance lending hub

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Trauma Insurance

This type of insurance covers those situations where an illness or disability is such that you will never ever be able to work again. Disabilities of this nature have a greater financial impact than death because not only has the income of the disabled person been lost forever, the cost of their ongoing care must be met as well. 

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Health Insurance

We are very lucky in New Zealand to have a public health system that is free and equipped to handle acute medical conditions. It does however struggle at times to cope with non-acute cases and waiting lists for treatment can be long and sometimes stressful. 

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House Insurance

Your house will be the single most expensive purchase that you will make. It could take you several decades to pay off the bank loan. In the interim, it can be damaged by a fire, earthquake, floods etc. It is critical to insure it to protect your, as well as your bank’s interest. We deal with multiple insurers to find a solution that best fits your needs. Talk to our advisers about the right amount of cover for your needs including how much should you insure your house for.
mortgage insurance

LENDING HUB

Mortgage Repayment insurance

This works in an almost identical way to Income Protection insurance except it allows you to insure your regular mortgage repayment. Having this type of cover in place gives you the peace of mind knowing that if illness or injury prevents you from working and your income ceases, then at least your mortgage repayments will be taken care of.

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Contents Insurance

Your belongings are something you collect over time. Sometimes they can be damaged in a fire or stolen etc. Insurance will allow you to replace these items or repurchase them so your life can continue normally without having to spend your own money to replace these items. It is important to understand what your insurance policy covers and we can guide you in this process and show you ways to save on your insurance premiums as well .

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Vehicle Insurance

Your vehicle not only moves you from home to work and empowers you to go away on holidays and visit friends and family. They are critical to our independence . Vehicles are expensive to repair or replace but in the event of an accident, theft or fire; we might need to do so. By insuring our vehicle, we can manage this cost of repair or replacement. Sometimes the damage could be to a property and requires that property to be repaired. Third party insurance is inexpensive and we recommend everyone who drives a vehicle to have this at the very minimum. Talk to our advisors about different options to suits your needs and manage the cost.

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Marine Insurance

Insure your boat with us

Lending hub went that extra mile and thought out of the box to make our dreams a reality.

Terrene

The service has been approachable and very efficient. My partner and I have had many enquiries along the way which were answered in great depth. Being a first home buyer, the housing process can be very daunting. There wasn’t a time when we received an answer that we didn’t understand the situation in full clarity.

T Glossop

Ash has been my insurance advisor for a number of years. He has arrange appropriate cover to suit my needs. Over time he has worked hard to reduce loading on my life premium and just recently, remove all loading altogether. A good result for me. He has been there for me over the years.

Soujan M

Customer Service Representative at Ministry of Social Development (MSD)

Very knowledgeable and friendly team, thank you all!

Shen Wang

Ash was very helpful throughout the process. He made the whole thing easy to understand for me. He is amazing to deal with.

Satinder

Ash was very patient in understanding my needs to meet and match with the right policy.

Rushdie

Your interactions with customers are excellent.  Always happy to help and attend calls and emails. Always provide choice to select the best.

Rijo

Ash has a deep understanding of the insurance market. His advice to me to table/level my life insurance premiums is something I will always be grateful for as it has provided me with the assurance that I will be in a position to continue paying my premiums to the end of the policy.
I recommend that you allow Ash to offer you a plan based on your needs for the future and like me you will not regret it.

Richard Ferdinands

Operations Manager at Mystery Creek Event Centre

Very happy with the support received from Ash and the team. Ash has been extremely supportive and has gone above and beyond to communicate the plan and explain things.
Highly recommend!

P Joseph

My husband and I had brought a house and had gone around the banks to get the best deal we could on our mortgage and then we had a presentation at work by Ash on how mortgage brokers can help. I decided before we finalised anything to have a chat with him and I am glad that I did. Ash managed to get us an extra 0.4% off our fixed rate and an extra $1k cash bonus. This was with our current bank and our advisor at this bank had already told us he could not match a slightly better rate by another bank. I couldnt believe that Ash could get us a rate that was so much better. Would definitely recommend having a chat with Ash.

Olivia Thompson (nee Coker)

Product Management | Corporate Tax | Financial Services

Thank you so much Ash for helping us out to buy our first home. It was you guys who had lot of patience with us as it was our first time. You really explained us everything step by step so well that we could understand.Once again would like to thank you and Prinal for all you have done for us.

 

Munesh R

Having observed Ash in action with his clients I have witnessed the professionalism that he displays. Ash takes his time to carefully understand his clients needs. Then, with his indepth understanding of his products and the insurance industry Ash is able to add genuine value.

Matthew Isbister

Award Winning Investment and Mortgage Adviser

Ash T. first let me start by telling you how grateful I am for all the work you did on my behalf. I know it wasn’t easy but you did it. This was a financial turning point for us We really appreciate all the work you put in to helping us get our mortgage. You absolutely went above + beyond all our expectations. I will certainly refer you. if I know of anyone wanting a new mortgage for any reason at all, I will be happy to refer them to you. Thank you again.

Leony Sebastian

Exceptional knowledge on lending! Ash was very clear in guiding us and patiently addressed every questions we had! Highly recommended service.

Jithin B

Ash was very professional. He explained us the process thoroughly in layman’s term which helped us to make decision quickly and efficiently.

H Khera

I’d like to say a big Thank You! to Ash Teotia for his assistance in refinancing our mortgages.

We were looking to review our home lending as all our lending was floating and we thought it might be time to consider fixing at least some of it. Ash’s help was invaluable and with his help we have created a structure that meets our needs and obtained very favourable rates.

If you haven’t taken the opportunity to have a chat with Ash, I recommend it – for a small investment in effort you may be able to realise some significant savings

Gary Carson

Business Improvement Specialist / Business Analyst

Ash Teotia has been helping us through every step of our first build process, answering all of our late night queries and setting up, as expected, through stages in the process. We have gone through the this process, with total understanding each step of the way, thanks to Ash and his outstanding commitment to us through our biggest milestone to date. I cannot recommend him enough, he’s been a lifesaver.

Gage T

Thank you so so much for all the help from your team especially yourself through all year of trying getting our mortgage sorted for me and my family. It would not happened without your dedication.

F Fenton

Thank you so much Ash and your team for all your help! Today is our first journey of being an investor! Yay!!!

A & J Delubio

Firstly I would like to thank Ash for his continuous support shown to me and my family with the finance process and it would have NOT been possible without him. He is very humble, patient and hardworking person and deals with every thing in a professional manner. From the start to the end and till today he still is in contact which shows how supportive he is. We wouldn’t have fulfilled our dream if he wasn’t there as our mortgage broker in this process. The more we praise him is very less but I would like to thank you from our heart in supporting us to purchase our dream house which we never thought of and also the process in dealing with the bank in getting approval for such a big amount and not only that getting extra funds in level 4 lock down to settle our purchase. We have already recommended him to our family and friends and will continue to support him in near future I wish him all the best and success ahead.

Charles S

Thank you for helping us secure our first home. We wouldn’t have gotten to reach this milestone if it wasn’t for all your hard word. Thank you for going the extra mile for us and for never giving up on this journey.

Chance & Mohit

I would happily reccomend Ash to anyone looking for financial advice or with assistance to broker a loan. Ash recently brokered a home loan for us and not only got an excellent deal for us but also provided valuable advice and made the whole process as seamless as possible.

Brendan McQuade

Regional Manager – Upper North Island at PGG Wrightson Ltd

Very grateful for all the hard mahi that Ash and the team have performed over the past year. From being told that I wouldn’t qualify for a mortgage by another broker due to my overseas income to Ash and the team lining up 3 banks to offer me a loan is outstanding. Ash and the team provide a very personalized service and will go the extra mile to make sure all my mortgage and insurance bases are covered.

B Wernham

After being told by another broker we would not be able to secure a loan because of my foreign income it was a welcome relief to find out that lending hub had received notification from 3 out of the big 4 banks that they would lend to us. Thanks for all the hard work in securing us this loan and persistence with our complex insurance cover.

Ben W

10/10

A Potter