Tax and legal advice

Protect your family home against unforseen misfortune

By Phillip Tarrant

Have you ever thought about what would happen to your mortgage if you had an accident or become seriously ill and could no longer work?

Not a nice thought, but one that should be considered – for all mortgage holders.

All too often families experience hardship when unplanned circumstances impact on their ability to pay their mortgage. Should the unexpected strike, maintaining mortgage repayments may mean dipping into your savings, but with less income your reserves can rapidly disappear.

So what can you do to protect yourself and your family against the unforeseen? Mortgage protection is one shield that’s well worth considering.

Mortgage protection insurance works in a number of ways. For accident, illness or disability, it can cover the total amount or a portion of your mortgage repayments for a set period of time.

Some providers will cover to up to 30 months in repayments.

Some policies will also cover you in the event of death – where the outstanding balance of the mortgage will be paid in full. For many mortgage holders this can provide peace of mind knowing that loved ones will not be evicted should disaster strike.

So how can you arrange mortgage protection insurance?

There are a number of ways. The internet is a good source of information about the companies that provide mortgage protection insurance but it can become confusing when trying to compare different policies and services.

If you’d like to explore your options it’s well worth giving me a call. As well as providing advice on mortgages and other financial products, I’m also well placed to assist with your mortgage protection insurance. We can discuss your requirements and find a policy that best suits.

NEWSLETTER
Be the first to hear the latest property investment insights
 
FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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