Ico Santiago
Mortgage Repayment Cover

Mortgage / Rent Protection

Mortgage/Rent Protection can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury.

For most New Zealanders, the family home is their largest investment and their greatest source of pride. However, with the current interest rate environment and the cost of property, the mortgage is also the biggest financial risk. Mortgage / Rent Cover is a specialized solution designed to pay your monthly mortgage installments / Rent if you are unable to work due to illness or injury.

What makes this cover unique in the New Zealand market is its flexibility; it is often paid in addition to other benefits and is usually tax-free. It provides the ultimate peace of mind: knowing that no matter what happens to your health, the bank will be paid and your family will always have a place to call home. Whether you are a first-time home buyer or have an established property portfolio, I help you align this cover with your specific bank terms, ensuring that your path to home ownership is never derailed by an unexpected health event. It's about making sure your hard-earned equity stays in your pocket, not the bank's.

Benefits available with Mortgage / Rent Protection are as follows:
  • Return Home – Up to $10,000
  • Total Disability Income
  • Partial Disability Income
  • Partial Disability Bridging
  • Recurrent Disablement
  • Rehabilitation and Support
  • Vocational Assistance
  • Home Modification and Equipment Expense
  • Bed Confinement
  • Back to Work Payment
  • Pregnancy Premium Waiver
  • Waiting Period Reduction
  • Childcare Support
  • Property Special Event Facility
  • Concurrent Waiting Period
  • Worldwide Cover
  • Suspension Cover
  • Enhancement Pass Back

Lets have a talk!

Your home is your sanctuary. Let’s make sure it’s protected against life's uncertainties with a tailored mortgage safety net.