Blueprint Finance New Zealand

Blueprint Finance New Zealand First home or fifth - Get top advice from NZ's premium advisers. Mortgages, Insurance, and KiwiSaver.

20/07/2026

One of the reasons people look at medical insurance is access to options.

Especially when it comes to private treatment and non-Pharmac funded drugs.

Some treatments can cost hundreds of thousands of dollars a year.

That doesn’t mean everyone needs the same cover.

But it does mean you should understand what your policy does and does not provide.

Podcast link in bio 🎙️

20/07/2026

No one expects the unexpected.

A healthy person.
A normal day.
A family depending on them.

That’s why insurance isn’t about expecting something bad to happen.

It’s about making sure the people you love are protected if it does.

Not the most fun conversation.

But one of the most important.

Podcast link in bio 🎧

19/07/2026

Health insurance premiums have been rising, and it’s easy to assume insurers are just charging more.

But medical costs are rising too.

Procedures, investigations, technology, treatment options and claims costs are all increasing.

That’s why reviewing your cover matters.

Not just to cut cost - but to understand what you’re actually protected for.

🎙️ Podcast link in bio

18/07/2026

A lot of people assume insurers are looking for ways not to pay.

But the reality is more nuanced.

Insurance companies exist to pay valid claims.

The key is making sure the cover was set up properly, the right information was disclosed, and the claim fits the policy wording.

That’s why advice and disclosure matter so much.

🎙️ Podcast link in bio

17/07/2026

This is one of the most practical points from the episode.

Clients may assume something is not relevant because they have recovered or have no current symptoms.

But the underwriting process depends on full and accurate disclosure.

The adviser’s role is to help clients understand what should be disclosed and why.

A difficult underwriting conversation upfront is far better than a difficult claims conversation later.

Podcast link in bio 🎧

17/07/2026

Living in Australia on a Subclass 444 visa? 🇦🇺

If you qualify as a temporary resident, Australia may treat certain capital gains differently, especially when the asset is outside Australia.

So before assuming Australia will - or will not - tax a capital gain, check the rules properly.

Before making financial moves or selling NZ assets, speak with a qualified tax adviser for advice on your situation 📊

General info only - consult with a qualified adviser for specifics.

16/07/2026

Mental health is not a niche issue.

It affects a huge number of New Zealanders, and it can have a real impact on someone’s ability to work.

That’s why it matters in insurance.

Not because insurers don’t care.

But because underwriting is about understanding risk before cover is put in place.

This is also why it’s worth looking at protection early — before life gets more complicated.

Podcast link in bio 🎙️

15/07/2026

No one expects the unexpected.

A healthy person.
A normal day.
A family depending on them.

That’s why insurance isn’t about expecting something bad to happen.

It’s about making sure the people you love are protected if it does.

Not the most fun conversation.

But one of the most important.

Podcast link in bio 🎧

14/07/2026

Most people know about insurance, but what about underwriting?

That’s when insurers assess your health and risk before providing coverage. In NZ, once life insurance terms are accepted, they typically won’t worsen with later health changes.

So, securing the right cover early is essential!

🎧 Check out our podcast link in bio!

13/07/2026

There is no universal answer to “pay down the mortgage or invest?”

It depends on the maths 🔢

In this calculator, we compare the after-tax investment outcome against the guaranteed benefit of reducing mortgage debt.

In the example shown, paying down the mortgage comes out slightly ahead over 10 years.

But that could change if investment returns are higher, mortgage rates are lower, or the timeframe is longer.

The point is not to guess.

Run the numbers.

Comment INVEST and we’ll send you the calculator 📩

Scenario shown is fictional and used for educational purposes. General information only. Do your own due diligence or speak with an adviser.

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