Services | Rule Financial

Wellington Mortgage & Insurance Specialists

Mortgages

So you want to buy a house? How much have you saved for a deposit?

Generally speaking the first thing a bank or lender will want to know when you’re applying for a home loan is how much you are contributing yourself as a deposit.

Whilst there are lenders who will let you contribute less than a 20% deposit towards a house purchase, the low equity premium charges can vary significantly from lender to lender so you need to be careful – this is why you need to be using the services of an experienced mortgage adviser.

With our expertise we can save you potentially thousands of dollars just by having you with the right lender for a home loan to begin with!

Taking on a mortgage is probably the biggest financial commitment you will ever make in your lifetime and for that reason making sure you are able to afford the repayments long term is crucial when determining how much you want to borrow. Having a strategy in place to repay the mortgage as quickly as possible will save you thousands of dollars in interest costs and enable you to become mortgage free sooner rather than later.

Want to find out what you can afford? Try this mortgage loan calculator now.

Insurance

We recommend that you speak to an experienced insurance adviser who is able to review your cover requirements for a home loan and make a recommendation based on your own financial circumstances. Nowadays an insurance adviser should be able to show you a comparison of "multiple insurers" in the market so that you have all the options available to you when making a decision about which insurer is right for you.

Rule Financial Services Limited was founded on the principal that we always want our customers to receive “impartial” insurance advice. This gives you real choice when deciding on an insurance solution for you. If you already have an insurance adviser you might want to check to see if they are truly giving you the best solution to your requirements based on premium and product features available in the market.