Mortgage Repayment Cover

For most New Zealanders, the mortgage is the largest monthly expense. Mortgage Repayment Cover is designed specifically to cover your mortgage obligations if you are unable to work due to illness or injury. Unlike other forms of cover, this payment is often offsets-free, meaning it isn’t reduced by any ACC payments you might receive for an accident.

This ensures that even if you're on a reduced income, your family's home remains secure. The benefit can be structured to cover just the interest or the full principal and interest repayments, providing a vital safety net that prevents the bank from foreclosing during a medical crisis. I will work with you to align this cover with your current home loan structure, ensuring that your most valuable asset is never at risk.