Health Insurance

We do not charge our clients for our services; instead we receive commission from the insurance provider once the agreed solution is confirmed. We receive this remuneration in the form of upfront and trail commission. To find out more about how we are remunerated, please view our Disclosure Statements on the About Page.

Usually, we are paid a commission by the lender once your loan has settled, and do not charge fees. However, a fee may apply in certain circumstances and we encourage you to view our Disclosure Statement here for full information on our remuneration.

There are many reasons - but most importantly, a mortgage adviser is expert at helping you carefully consider what your short and long term goals are and how to structure your loan accordingly. And of course, you have access to our relationships with lenders, knowledge and expertise, not to mention sharp negotiation skills when it comes time to talk interest rate.

Like insurance itself, there is no single answer to this question. It depends on your areas of risk and needs. Having says that though, it is really important that you don’t spend too much by taking out unnecessary cover or excessive levels of cover, or too little, which may leave you financially exposed should the unforeseen happen. Getting it just right for your needs and budget is a big part of what we do.