Mortgages | Insurance | Investments | Financial planning
Financial Planning with Advisenow
Paying Down Your Mortgage or Reducing Debt Faster may be more achievable than you think. Our financial advisers offer life-changing independent advice that can pave the way for a financially free future!
Financial Planning for Kiwis
Financial planning is the process of setting, managing, and achieving your life goals through the careful management of your finances. In New Zealand, where 64% of Kiwis report feeling stressed about money, effective financial planning is crucial for building a secure and prosperous future.
Whether you’re saving for a home, preparing for retirement, or protecting your family’s wellbeing, a strategic financial plan provides the roadmap to navigate life’s financial challenges. Studies show that individuals with a financial plan are twice as likely to feel confident about their financial future. Additionally, 79% of New Zealanders with a financial plan report feeling financially secure.
By working with professional financial advisers, you can develop a tailored plan that aligns with your unique needs and aspirations, ensuring that you are prepared for both expected and unexpected events. Embrace financial planning today and take control of your financial destiny.
References:
- Financial Stress: Based on a study by the Commission for Financial Capability, 64% of New Zealanders feel stressed about money (Commission for Financial Capability, 2023).
- Confidence with Financial Planning: Research by the Financial Services Council shows that individuals with a financial plan are twice as likely to feel confident about their financial future (Financial Services Council, 2023).
- Financial Security: A survey conducted by Sorted reveals that 79% of New Zealanders with a financial plan report feeling financially secure (Sorted, 2023).
Relationship first, advice second
Every family’s journey is unique. You deserve personalised financial advice that fits your current needs and future plans. With our deep market understanding and years of experience, our advisers stand ready to provide unwavering support across our offerings, helping you secure your tomorrow no matter where you are in Aotearoa, New Zealand.
First Home Financial Planning
Turn your first home dream into reality with smart financial planning – Buying your first home can be overwhelming, but it doesn't have to be. Our financial advisers will simplify the process by smartly assessing your finances and asking the right questions, helping you achieve homeownership sooner than you imagined.
Financial mapping & Modelling
Shape your ideal future with us – Whether it is enjoying more time with family or building a robust investment portfolio, we are here to help you achieve your financial goals faster. Partner with us today to craft a plan that will bring your vision of the future to life.
Debt Management Planning
Simplify your debt and achieve results quicker – Feeling overwhelmed by multiple debts? We can help consolidate your payments into one manageable loan, streamlining your finances with the goal of getting you into your dream home or next investment property faster!
Wealth Planning
Take control of your financial future with clarity – With our human-centred approach, we empower you to make confident financial decisions. Using our Financial Cashflow Modelling and strategy, we map your journey from where you are now to where you want to be, showing you exactly how and when you’ll reach your goals.
Ready to save thousands with our financial plan?
Our Financial Planning Process
We begin by understanding your ambitions, aspirations, and financial objectives. In addition to evaluating your current situation, we see this as the beginning of our partnership to improve your wealth.
We conduct a comprehensive evaluation of your current financial position and use financial tools to predict your future path. Together, we will create a strategic plan to grow your wealth and minimise risks while carefully considering how your future choices will affect your long-term financial security. You can trust that we will offer unwavering support every step of the way.
We will conduct regular check-ins to determine if your circumstances have changed or if we need to change a few things. Our team will be available to assist you whenever necessary.
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Advisenow
We are not just another mortgage, insurance, and investment company. What distinguishes us is our human-centred approach, unwavering commitment to innovation, transparency, and outstanding customer service. By harnessing cutting-edge technology, we streamline processes for speed and efficiency. Our team of expert financial advisers is devoted to guiding you through each step, ensuring you make the optimal choices for your unique needs.
Why Us
- Personalised Service: Our team is committed to understanding your unique needs and guiding you toward the right solutions.
- Simple and fast approval process: We believe in providing quick and hassle-free services to our clients.
- Innovation: We are at the forefront of technological advancements, making your experience smooth, efficient, and user-friendly.
- Transparency: We believe in clear communication and full disclosure, ensuring you have all the information you need to make confident decisions.
Get in Touch
Explore our website to learn more about our services and how we can assist you on your financial journey. Contact us on 0221022898 or at support@advisenow.co.nz for personalised assistance.
Why you should book a personalised financial planning session with us
1. Tailored Financial Strategies
Receive customised advice and strategies aligned with your unique financial goals, circumstances, and aspirations.
2. Comprehensive Financial Analysis
Gain a detailed assessment of your current financial situation, including income, expenses, insurance, kiwisaver, assets, and liabilities.
3. Goal Setting and Prioritisation
Identify and prioritise your short-term and long-term financial goals, from retirement planning to home ownership and education funding.
4. Risk Management and Insurance Review
Evaluate and optimise your insurance coverage to protect against unexpected events, ensuring financial security for you and your family.
5. Investment Portfolio Optimisation
Get recommendations for diversifying and optimising your investment portfolio based on your risk tolerance and time horizon.
6. Tax Efficiency Strategies
Discover ways to minimise tax liabilities through strategic planning and take advantage of tax-saving opportunities.
7. Debt Reduction and Management
Develop a plan to manage and reduce debt effectively, improving cash flow and financial stability.
8. Retirement Planning
Create a robust retirement plan to ensure you have sufficient funds to maintain your desired lifestyle in retirement.
9. Estate Planning Guidance
Receive advice on creating or updating your estate plan, including wills, trusts, and beneficiary designations, to protect and transfer your assets according to your wishes.
10. Ongoing Support and Adjustments
Benefit from continuous support and periodic reviews to adjust your financial plan as your circumstances or goals change over time.
Want an answer to any of these questions?
- Dreaming of More Travel? Discover how our tailored financial strategies can make your travel aspirations a reality.
- Want to achieve Your Short-Term Financial Goals Faster? Let us craft a plan that turns your immediate financial objectives into achievable milestones.
- Struggling with Debt? We offer personalised solutions to help you reduce your debt and pay it off faster, freeing you to achieve your financial goals.
- Is Your Insurance Up to Par? Let us review and optimise your insurance coverage to ensure it perfectly suits your needs.
- Considering an Investment Property? Get expert guidance on whether an investment property aligns with your financial strategy and goals.
Contact Us
Why you should book a personalised financial planning session with us
A mortgage is a loan used to purchase real estate. The property itself serves as collateral for the loan. If the borrower fails to repay the mortgage, the lender can take possession of the property through a legal process called foreclosure or mortgagee sale.
A borrower applies for a mortgage from a lender. If approved, the lender provides funds to purchase the property. The borrower then repays the loan, typically with interest, over an agreed-upon period.
Mortgage approval is influenced by factors such as credit score, income, employment history, debt-to-income ratio, loan-to-value ratio and the down payment amount. Lenders assess these factors to determine the borrower’s creditworthiness.
In a fixed-rate loan, the interest rate remains constant for a set period, providing stability and predictability in loan payments. On the other hand, a variable-rate loan involves interest rates that can fluctuate based on market conditions, leading to potential changes in loan payments. The choice between the two depends on factors like risk tolerance, preference for stability, and market expectations. Fixed-rate loans offer steady payments but may miss out on potential savings, while variable-rate loans can provide flexibility but come with the risk of higher payments if interest rates rise.
A down payment is an upfront payment made by the homebuyer, usually expressed as a percentage of the property’s purchase price. The amount required varies but is often around 20% of the home’s value. Some loans may require a lower down payment such as 5% for first home buyers.
Lender’s Mortgage Insurance (LMI) is a form of insurance that safeguards lenders when borrowers have a deposit of less than 20% of a property’s purchase price. It protects lenders in case of borrower default, covering the shortfall if the property sale doesn’t cover the outstanding mortgage balance. LMI is typically required for higher loan-to-value ratio (LVR) home loans, and the premium is paid by the borrower, providing risk mitigation for the lender.
Pre-approval is a process where a lender reviews a borrower’s financial information and provides an estimate of the loan amount they may qualify for. It strengthens a buyer’s position when making an offer on a home.
A mortgage broker or adviser is a professional who assists borrowers in finding and securing mortgage loans from various lenders. They act as intermediaries, providing advice on different loan options and helping borrowers navigate the mortgage application process. In contrast, a lender is a financial institution or entity that provides funds to borrowers for mortgage loans. The lender is the entity that lends the money to the borrower and ultimately holds the mortgage on the property.
While a mortgage broker/adviser helps borrowers explore options from different lenders, the lender is the institution that directly provides the loan and sets the terms and conditions.
- Most mortgages allow for early repayment, but it’s essential to check the terms of the loan. Some mortgages may have prepayment penalties or restrictions.
Refinancing involves replacing an existing mortgage with a new one and/or switching your current lender to a different lender. Borrowers may consider refinancing to get a lower interest rate, reduce loan payments, or change/increase the loan term. It’s typically beneficial when interest rates are lower than the original mortgage rate.
