Homeownership and protection—when they work together, you win.
Buying a home is a massive milestone—but the excitement can easily be tempered by unexpected life twists. Whether it’s a serious health event or sudden income loss, marking both your mortgage and ongoing protection together ensures you’re covered from all angles. Here’s why smart homeowners are pairing insurance with their mortgage today.
1. Locking in low rates with confidence
Mortgage interest rates have been hovering close to historic lows in New Zealand. Fixing your rate for 1–2 years keeps your repayments predictable and protects your cash flow. The best part? It’s much easier to sleep well at night knowing both your home and income are secured.
2. Income protection: your everyday safety net
Life can hit fast: an injury, illness, or redundancy can stop your income right when bills still need paying. Income protection fills that gap, covering essential costs—like groceries, mortgage repayments, utilities—so you’re not forced to drain your savings.
3. Streamlined experience with expert help
Total Assurance helps you compare life, trauma, income protection, TPD, and mortgage repayment insurance from multiple providers. This independent advice means no guesswork—just clear, tailored options that fit your budget, life stage, and risk comfort.
4. Coverage that adapts
Life isn’t static. Changes—like having children, career shifts, or health updates—should prompt a review of your protection plan. Total Assurance regularly checks your policy alignment, ensuring you’re always suitably covered without overpaying.
So, what does this mean for you?
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Confidence in your ability to continue mortgage payments, no matter what.
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Peace of mind, knowing your income won’t vanish due to unexpected events.
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Clarity through expert advice tailored to your unique circumstances.
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Flexibility, with policies that evolve alongside your life.
Ready to take empowered steps forward?
Chat with our friendly advisers—no cost, no obligation. We’ll walk you through your current setup, help identify any gaps, and design a plan that’s right for your goals and budget.
Email: info@totalassurance.co.nz
Call: +64 22 6341 030
Let’s turn what-if into we’re-ready—together.