Skip to main content
The HTL Group
MID-YEAR FINANCIAL REVIEW

A lot can change in six months.

Is your plan still right for you?

Check whether your insurance, mortgage or lending, KiwiSaver, investments or business cover still fit where things are now.


Request a mid-year review

Is your financial setup still working for you?

It's easy to set things up and let them keep running. Mortgage structures roll over, insurance cover renews, KiwiSaver and investment settings stay the same, while business, family and income changes happen in the background.


A mid-year review is not about starting again. It is about checking what still fits, what may need attention, and whether there are options worth considering before the second half of the year gets underway.

What has changed in the past 6 months?

A review may be useful if:

Your fixed mortgage rate is coming up for review

Your income, family or household needs have changed

Your insurance premiums or renewal terms have changed

Your business has grown, shifted or taken on new responsibilities

You have bought, sold or upgraded assets

Your KiwiSaver or investment settings have not been reviewed recently

You are planning a property, business or retirement decision

You are not sure whether what you have in place still fits

You don't need to review everything at once. A conversation with an HTL adviser can help identify the right next step.

One timely thing to check:
​KiwiSaver Government contribution

If you are eligible, you may be able to receive a KiwiSaver Government contribution of up to $260.72 for the year.

To receive the full amount, you generally need to have contributed at least $1,042.86 before 30 June.


This can be easy to miss, especially if you are self-employed, on a savings suspension, or have not made regular contributions this year.


Check your KiwiSaver

Eligibility criteria apply, including age, residency and income requirements. This is general information only.

What could we look at?

Depending on your situation, your review could cover one or more areas.

Mortgage & lending

Check whether your current structure, repayments, refix timing or lending options still support your plans.

 Insurance

Review whether your cover still reflects your life, income, assets, family or business, especially if things have changed.


Review your cover

KiwiSaver

Check your contribution settings, fund type, timeframe and whether you're on track to receive this year's Government contribution. 


Check your KiwiSaver

Investments

Review whether your investment strategy still fits your goals, timeframe and risk comfort, especially if things have shifted.

 Business & Rural cover

Check whether your cover still reflects your business, people, contracts, equipment, risk and responsibilities.


Review business cover

Not sure where to start?

Tell us what has changed and we'll help connect you with the right adviser. Useful if something needs a second look.


Request a review

We'll connect you to the right person for your situation

The HTL Group brings together advisers across insurance, mortgage and lending, KiwiSaver, investments, business and rural cover.

When you request a review, we'll direct your enquiry to the adviser or team best placed to help. Existing clients can also contact their usual HTL Group adviser directly.

HTL Group Adviser Allie Black

Allie Black
​Financial Adviser

HTL Group Adviser Lyall Bunn

Lyall Bunn
​Financial Adviser

HTL Group Adviser Kim Dunlop-Roberts

Kim Dunlop-Roberts 
​Financial Adviser


HTL Group Adviser Mariana Phillips

Mariana Phillips Financial Adviser


HTL Group Adviser Lindsay Thompson

Lindsay Thomson
​Financial Adviser

HTL Group Adviser Allison Stenning

Allison Stenning
​Financial Adviser

HTL Group Adviser Serina Nicholson

Serina Nicholson
​Financial Adviser



HTL Group Adviser Lachlan Bunn

Lachlan Bunn
​Financial Adviser


HTL Group Adviser Paige Crofskey

Paige Crofskey
​ Financial Adviser


HTL Group Adviser Karen Taylor

Karen Taylor
​Financial Adviser


HTL Group Adviser Julie Lanigan

Julie Lanigan
​Financial Adviser


How a mid-year review works

01.
Tell us what you'd like

to review

Use the form below to let us know what has changed or which area you would like to check.


02. 

We connect you with the
right adviser

Your enquiry will be directed to the HTL adviser or team best placed to help.

03. 

Talk through your options

Your adviser will help you understand what still fits, what may need attention and what next steps may be worth considering.

Request a mid-year review​

Tell us what you'd like to review and we'll connect you with the right HTL adviser.


This form is for general enquiry purposes only. Please do not include sensitive personal or financial information.

  • What would you like to review? *
  • Preferred contact method *
  • Required consent *

This page provides general information only and does not take into account your personal circumstances, financial situation or goals. For advice specific to your situation, please talk to an HTL Group adviser. HTL Group Ltd is a licensed Financial Advice Provider. View our Disclosure Information and Privacy Policy.