Repayment support
Monthly benefits can help keep home loan repayments current during a covered claim.
Mortgage protection for repayment confidence.
Mortgage protection insurance can help cover repayments if illness or injury affects your ability to earn, reducing the risk of falling behind on the home loan.
Keep the mortgage manageable when income changes.
Your mortgage is often the largest household commitment. If your income stops or reduces because of illness or injury, mortgage protection can help keep repayments on track.
We compare benefit amounts, waiting periods, payment terms and policy conditions so cover is practical for your loan and budget.
- Match benefit amounts to repayments
- Compare waiting periods and payment terms
- Understand claim conditions
- Coordinate with income and life cover
Why mortgage protection matters.
Less pressure on savings
Cover can reduce the need to rely entirely on emergency savings while recovering.
Home security
The goal is to help protect your ability to stay in the home during a difficult period.
Policy choices to review.
- Benefit amount and maximum cover
- Waiting period before payments begin
- How long benefits can be paid
- Exclusions and offsets
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
Is mortgage protection the same as life insurance?
No. Life insurance usually pays a lump sum on death or terminal illness. Mortgage protection usually focuses on repayment support during a covered illness or injury.
Can renters use mortgage protection insurance?
Mortgage protection is designed around home loan repayments. Renters may want income protection or other personal cover instead.
Compare options across leading New Zealand lenders.
Ready to review your insurance options?
Tell us what you want protected and we will help you compare cover options that fit your family, lending and income needs.