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Tauranga Mortgage and Property Investment Advisor https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1744856037391-AHRYEGT32OON3LIWQNT5/unsplash-image-b_79nOqf95I.jpg Tauranga Mortgage and Property Investment Advisor - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1637118471259-X2G2AMV1TRPZZVMYJ2L6/image-asset.jpeg Tauranga Mortgage and Property Investment Advisor - First Home Buyers It can be a daunting process. However, we know our LVR’s, First Home Loans and KiwiSaver and how to work with the banks to get that loan approved, get into that first home and onto the property ladder. Talk to us - we love helping first home buyers. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1638147686074-9AMH00K3PR0OOH3V2JMD/Why+use+a+broker+house+picture.jpg Tauranga Mortgage and Property Investment Advisor - Investors STARTING OR GROWING YOUR PORTFOLIO Whether it’s your first, third or tenth investment property, we have clients with large portfolios AND we are, or have been, multi-property investors ourselves. We love sharing our stories of success…but just as importantly, we are happy to help you avoid making some of the mistakes we have made with our personal property investments along the way too! Reach out and leverage our knowledge - we are happy to share. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1637118471255-XSCVK6067KSSB9M8S3ON/image-asset.jpeg Tauranga Mortgage and Property Investment Advisor - Development or Renovation Project Want to convert the downstairs into a granny flat or airbnb option? Want to subdivide that Massive Section? Want to completely renovate and refurbish to make your house into the home you always wanted? Want to build that outdoor patio and fireplace? Swimming Pool and Landscaping? We can help you with all of the above and more - just drop us a line and we will be in touch. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1637118467888-T3XLIFLBS8K782AP33OQ/Paul+Dow+Mortgages+-0007+%281%29.jpg Tauranga Mortgage and Property Investment Advisor - Why Choose Paul? Paul has personally owned close to a dozen rental properties, he’s seen a few property cycles. He’s an experienced mortgage advisor with access to main bank and non-bank lenders, and he ONLY works for his clients best interests. Call Paul on 021 615907 Email: paul@khproperty.co.nz https://www.khproperty.co.nz/home-knowhowproperty daily 1.0 2025-06-03 https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1637118459778-ITHULZYJGTG9OZV9Z1NE/Paul+Dow+Mortgages+-0065.jpg Tauranga Mortgage, Insurance and KiwiSaver Advisors https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/61f15942-f6ad-49f0-8779-ee1c50afc93c/Paul+Dow+Mortgages+-0053.JPEG Tauranga Mortgage, Insurance and KiwiSaver Advisors https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1637118467888-T3XLIFLBS8K782AP33OQ/Paul+Dow+Mortgages+-0007+%281%29.jpg Tauranga Mortgage, Insurance and KiwiSaver Advisors - Why Choose Paul? Paul has personally owned close to a dozen rental properties, he’s seen a few property cycles. He’s an experienced mortgage advisor with access to main bank and non-bank lenders, and he ONLY works for his clients best interests. Call Paul on 021 615907 Mortgage and Property Investment Advisor Email: paul@khproperty.co.nz https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/73c8c133-ac31-4859-82c1-bfc5a698498c/IMG_9163.jpg Tauranga Mortgage, Insurance and KiwiSaver Advisors - Why Choose David? David’s Insurance and KiwiSaver know how is extremely vast, you name it, he’s dealt with it. He knows how tough it can be if you’re not protected and is here to guide you the best he can to ensure you’re never in that situation. Call David on 021 0859 0843 KiwiSaver and Insurance Advisor Email: David@khfinancial.co.nz https://www.khproperty.co.nz/kiwisaver daily 0.75 2026-02-16 https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/7325feae-a1ec-4af1-b6bd-a41dce6c1412/Retirement+KiwiSaver.jpg Tauranga KiwiSaver Advisor https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/7325feae-a1ec-4af1-b6bd-a41dce6c1412/Retirement+KiwiSaver.jpg Tauranga KiwiSaver Advisor - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/1584c318-1d26-4480-8e06-8bde9f3f6083/faruk-tokluoglu-mEoVGEGl7Bw-unsplash.jpg Tauranga KiwiSaver Advisor - KiwiSaver KiwiSaver is a voluntary savings scheme designed to help set you up for retirement. You can make regular contributions from your pay or directly to your scheme provider and receive an annual contribution from the government. While Inland Revenue is the central administrator of KiwiSaver, it does not hold your funds or provide financial advice. These services are provided by KiwiSaver fund managers. Your personal views on investing and your stage in retirement planning are important to ensure you’re in the right fund with the right fund manager. Let’s talk - I’ll set you up with the right fund for your goals https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/6970c290-f97a-461b-9e1d-ac8321a0f2ae/IMG_9163.jpg Tauranga KiwiSaver Advisor - Why Choose David? David’s Insurance and KiwiSaver know how is extremely vast, you name it, he’s dealt with it. He knows how tough it can be if you’re not protected and is here to guide you the best he can to ensure you’re never in that situation. Call David on 021 0859 0843 Email: David@khfinancial.co.nz https://www.khproperty.co.nz/insurance daily 0.75 2025-05-28 https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/ef1275cc-d16b-49e2-99ad-6abc79fabd14/getty-images-bKYFGgn3mr8-unsplash.jpg Tauranga Insurance Advisor https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/f8a12b6b-b406-4ff4-b4f0-1f16fb213455/getty-images-bKYFGgn3mr8-unsplash.jpg Tauranga Insurance Advisor - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/bb10d6a8-df50-4418-8501-73a3851ab181/getty-images-bGZwI5LZy5g-unsplash.jpg Tauranga Insurance Advisor - Life Insurance Life insurance provides financial protection for you and your loved ones in the event of death or a terminal illness. It pays out a lump sum that can be used for various expenses, such as paying down or off a mortgage, clearing debts, covering funeral costs, or replacing lost income for general living expenses. The amount of coverage you need depends on your financial situation and what you want to ensure happens in the event of your death or the death of your partner. Let’s talk - I’ll make sure you’re covered https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/d3037cc9-46fe-4c87-aa84-6110feef4b10/getty-images-vWR_3ZB9RzA-unsplash.jpg Tauranga Insurance Advisor - Critical Illness Insurance Critical illness insurance, also known as trauma insurance, provides a lump sum payout if you are diagnosed with a serious illness or injury. This type of insurance is designed to offer financial support during a challenging time, helping with costs associated with treatment and recovery. It's often recommended alongside life insurance to provide a more comprehensive protection package. There are various levels of cover available, ranging from comprehensive plans to more limited, cost-effective options that cover only specific serious conditions. Let’s talk - I’ll make sure you’re covered https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/afa25e12-339b-4ad0-b2b6-1655e68a9e17/hybrid-storytellers-nEQY2vfKnt4-unsplash.jpg Tauranga Insurance Advisor - Mortgage or Rent Repayment Cover Mortgage repayment insurance, often called mortgage protection insurance, provides financial assistance to cover your mortgage or rent payments if you become unable to work due to illness or injury. It’s a type of disability insurance that helps ensure you can continue meeting your mortgage obligations, even if your income is temporarily or permanently affected. Having a secure place to live is fundamental to maintaining your standard of living and can support your recovery from an illness or injury. Payments are typically made in addition to ACC, and understanding the excess (waiting) periods is an important part of selecting the right cover. Let’s talk - I’ll make sure you’re covered https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/800b43e8-1ca9-4b53-ad46-e2ed3b4ba0ed/jenny-hill-mQVWb7kUoOE-unsplash.jpg Tauranga Insurance Advisor - Health Insurance Health insurance, or medical insurance, provides financial protection against the costs of private medical treatment. It allows you and your family to access private hospitals, clinics, and specialists, potentially reducing waiting times and offering more choice in healthcare providers. There are many types of cover and options to consider when looking at medical insurance, including surgery-only cover, hospitalisation, specialist extensions, optical and dental benefits, excess options, and which sections those excesses apply to. Let’s talk - I’ll make sure you’re covered https://images.squarespace-cdn.com/content/v1/619471fb466b6721abe9664e/6970c290-f97a-461b-9e1d-ac8321a0f2ae/IMG_9163.jpg Tauranga Insurance Advisor - Why Choose David? David’s Insurance and KiwiSaver know how is extremely vast, you name it, he’s dealt with it. He knows how tough it can be if you’re not protected and is here to guide you the best he can to ensure you’re never in that situation. 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