Welcome to our Mortgage Protection Insurance page. Our goal is to help you get the right insurance policy to cover your mortgage repayments.

Protect your investment

Buying a property is probably one of the biggest financial decisions we will ever make. Most New Zealanders take out House and Contents insurance to protect their investment, but what about your mortgage repayments?

If you were critically ill and unable to work, how would you pay your mortgage? Do you have saving to cover those expenses?

When a devastating incident occurs, the last thing you need is to lose your house because you’re unable to pay the mortgage. Mortgage protection insurance can help.

Mortgage Protection insurance pays monthly payments to replace your income or mortgage or rent, should you suffer an illness or accident and are unable to work.

Get mortgage protection quotes

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You still get cover, even if you are on ACC

Some Mortgage Protection policies don't have ACC offsets. This means that even if you are being compensated by ACC for an accident, you will still receive payments from your policy. This is a very important point. It's the main difference between an Income Protection policy and Mortgage Protection insurance.

Are you renting?

With Mortgage Protection insurance, also known as Mortgage and Income Protection, you can cover 115% of your mortgage repayments on your residential property or 45% of your income. So even if you don't own your home, you can insure your income so that if you are unable to work, you can meet your rent costs.

Get the right cover

Not all insurance policies are the same. When looking at getting Mortgage Protection cover, you will need to decide on the best policy for you - including the length of your benefit payments, the wait period on your policy and which insurance company is best suited for you. Understanding the insurance options available can be complex.

Let us do the leg work for you. Our advisers will listen to your needs, and find the most suitable policy for you. 

We’d love to hear from you

If you have any questions about getting the right plan for your needs, we can help. To get a call back from one of our friendly staff, just fill up the form above on this page.

Mortgage insurance

Knowing how to spot the best mortgage protection policies can be tricky, unless you know what to look for. At Apex, our team is trained to analyze and track down the best policies for our clients.


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