Resources
Guides and calculators.
Everything the advisers at SHARE - The Advisory hand to clients, in one place. Free to download, plainly written, no obligation.
Insurance
- Life insurance guideWhat life cover is for, how it is structured, and how to decide what your family would actually need.
- Income protection guideIncome protection is the cover people understand least and rely on most. This guide sets out how the policies differ.
- Mortgage protection guideHow to keep the mortgage covered if income stops, and how this cover sits alongside the rest of your protection.
- Trauma and critical illness guideTrauma cover pays on diagnosis of a defined condition. Knowing how the definitions work is the whole point.
- Health insurance guideWhat health cover includes, what it excludes, and how to compare policies on more than price.
- Group schemes guideHow employer schemes work, what they cover, and what staff need to understand about their cover.
- Key person cover guideMost businesses depend on a small number of people. This guide explains how to insure that exposure.
- Shareholders insurance guideWhat happens to a shareholding if an owner dies or can no longer work, and how to agree that in advance.
- Business owners and self-employed guideCover for people whose income depends on them turning up. Written for owners and contractors.
Mortgages
- First home buyer guideA plain walkthrough of how first home lending works in New Zealand, what lenders look at, and the order to do things in. Written by the advisers at SHARE - The Advisory.
- Refinancing and refixing guideWhat actually changes when you refix or move your lending, and the questions worth asking before you sign anything.
- New build guideNew build lending runs on a different timeline to an existing home. This guide sets out how the process works from contract to completion.
- Investment property guideHow lenders assess an investment purchase, and how structure affects what you can do next.
- Self-employed lending guideSelf-employed applications are not harder, they are just documented differently. This guide explains what lenders want to see.
- Commercial and development guideCommercial and development funding is assessed on the project, not just the borrower. Here is how it is put together.
KiwiSaver
- KiwiSaver fund review guideHow to review the fund you are in, and what to weigh up before you change anything.
- First home withdrawal guideHow a KiwiSaver first home withdrawal works, and how it fits into the wider purchase timeline.
- KiwiSaver contributions guideHow contributions work across employees, the self-employed and people on a break from work.
- KiwiSaver retirement guideHow to look at KiwiSaver as retirement gets closer, and the decisions that come with it.
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