Independent insurance and mortgage advisers offering experienced professional advice and services Auckland wide and beyond

Premium Finance’s focus is on your personalised mortgage or insurance requirements no matter what stage of life you at. Whether you are wanting a first home mortgage or you want to set up comprehensive insurance cover, our mortgage and insurance advisers are here to help.

Premium Finance has access to the best products offered by top insurance and mortgage providers throughout New Zealand. Because we are truly independent (we don’t have a quota system for any specific company), we can select the right products and services that suit your needs taking into account your current situation, future goals, budget, and personal preference. Premium Finance’s number one principle is “To do the right thing for clients and to help the client get good, honest and unbiased advice.” Over the years, we have helped our clients save thousands of dollars by matching clients need with the appropriate cover.

Whether you need general insurance or mortgage advice, assistance selecting specific insurance or mortgage products, or help with the claims process, Premium Finance is here to assist every step of the way. We can come and see you in your home or at your business or you can visit us at our office at 27 Great South Road in Epsom, Auckland, which is close to both Newmarket and Remuera. We also offer phone calls or Zoom meetings if you prefer not meeting face to face. Contact us to make a time to see how we can help you.

Meet David Chakravarty

Our Principal Adviser and Director David Chakravarty has over 15 years of valuable experience in the insurance and mortgage industry. He is an experienced Financial Adviser who meets the required compliance standards for Financial Advisers in New Zealand.

Premium Finance can help its clients to get in touch with other professionals who provide services such as investments, share brokerage, portfolio build-up, house insurance, car insurance, contents insurance, accounting services and Kiwisaver through our business associates. Premium Finance is a member of the Newpark Group and is regulated by the Financial Markets Authority (FMA). A disclosure statement is available on request.

Our core values

Premium Finance have developed six core values that drive who we want to be, in caring for our clients

1. Integrity

providing professional services with integrity. We place ourselves in positions of trust for our clients, and the ultimate source of that trust is personal integrity.

2. Objectivity

providing professional services objectively. Regardless of the particular service rendered or the capacity in which we function, we try our best to protect the integrity of our work and maintain objectivity.

3. Competence

maintaining the knowledge and skill necessary to provide professional services competently.

4. Fairness

being fair and reasonable in all professional relationships and disclosing conflicts of interest.

5. Confidentiality

protecting the confidentiality of all client information. Confidentiality means ensuring that information is accessible only to those authorized to have access. A relationship of trust and confidence with our clients can only be built upon the understanding that their information will remain confidential.

6. Professionalism

acting in a manner that demonstrates excemplary professional conduct. Professionalism requires behaving with dignity and courtesy to clients, fellow professionals, and others in business-related activities.

Our process

Six step process to ensure you have the right plan in place

1. Qualify

At our first meeting, we discuss what Premium Finance as a business can do for you; what you wish to achieve – re: insurances and/or mortgages; and you’re provided with a full Disclosure Statement.

2. Discovery

We need to gather information about you, and the type of information can depend on what insurance or mortgage you need. It may include details of medical conditions, assets/liabilities/expenses, and your future goals.

3. Plan

Using the best products available in New Zealand, we will then tailor a specific plan just for you taking into account your current situation, budget, current and future plans, objectives and requirements.

4. Present

Either in a face to face or online meeting we will present the plan and explain the reasons behind the recommendations and work with you on any changes you’d like to make.

5. Implement

We put the plan into action! Application forms need to be completed and supporting documentation gathered. We submit and follow up you application to the chosen product providers, and keep you informed of progress and when the plan is in place.

6. Review

Reviews generally take place once a year to see if your circumstances have changed and any adjustments need to be made to the plan. These reviews are part of our ongoing service and committment to you.

Mortgages

From first home loan advice and assistance to help refinancing or refixing your mortgage, talking to a knowledgeable mortgage adviser can save you money and time.

Insurance

Assessing your level of risk and choosing the right insurances and amount of cover can be daunting but having a Premium Finance insurance adviser to help can make the process easy and stress free.

Claims and regular reviews

If you need assistance with making a claim, we are here to help. We also conduct regular reviews with you to ensure your insurance cover is still right for your current situation and stage in life.

ASK A QUESTION / BOOK AN APPOINTMENT

Fill out the form below and we will contact you as soon as possible. If it’s urgent, please call us.

First Name

Last Name

Details

Contact Number

Select an insurance or mortgage product/service

ASK A QUESTION / BOOK AN APPOINTMENT

Fill out the form below and we will contact you as soon as possible. If it’s urgent, please call us.

First Name

Last Name

Contact Number

Select an insurance or mortgage product/service

Details

Independent insurance and mortgage advisers offering experienced professional advice and services Auckland wide and beyond

Meet David Chakravarty

Our core values

Our process

Mortgages

Insurance

Claims and regular reviews

ASK A QUESTION / BOOK AN APPOINTMENT

ASK A QUESTION / BOOK AN APPOINTMENT

PARTNERS AND AFFILIATIONS