Mortgage Protection Insurance

Protect an asset or a loved one with the right Insurance

As part of our service, we can provide you with access to Mortgage Protection Insurance through our partnership with ALI Group. This type of insurance is designed to provide a level of financial security by helping to cover your home loan repayments in the event of death or specified serious medical conditions (subject to the terms and conditions of the policy).

It is important to understand that we provide this service under a General Advice Only model. This means that any information we give you about Mortgage Protection Insurance does not consider your personal circumstances, financial objectives, or specific needs. You should carefully read the relevant Product Disclosure Statement (PDS) and consider whether the product is appropriate for you before deciding to apply.

We do not provide personal financial product advice. If you require advice tailored to your individual circumstances, you should seek independent financial advice from a licensed financial adviser.

Mortgage Protection Insurance is entirely optional and is not a condition of obtaining finance approval. We will not recommend or suggest that you must take out this cover to secure a loan. However, it may be something worth considering as part of your overall strategy to protect yourself and your family from unforeseen events that may impact your ability to meet loan repayments.

Key points to consider:

Cover, benefits, and exclusions are determined by the insurer, ALI Group.
Premiums are payable directly to the insurer and may vary depending on the level of cover and your personal details.
The insurer will provide you with a Product Disclosure Statement (PDS) outlining all terms, conditions, limitations, and exclusions.
Before making any decision, you should ensure you fully understand the policy features and whether they align with your financial circumstances.

If you would like more information about Mortgage Protection Insurance through ALI Group, please let us know and we can provide you with the relevant product materials for your review.

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Have a chat with one of our qualified Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation and what you're looking to cover.

Finding Options

We'll look across the market at different Insurance products that are suitable allowing you to compare coverage, terms, and prices.

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Our Latest Reviews

John Black

I recently had the pleasure of working with Paul Bridges from Influence Finance Group, who successfully structured a complex property loan for me. His professionalism, attention to detail, and commitment to securing the most suitable loan ...

Jeevan

I can't speak highly enough of Paul. He is extremely knowledgeable, responsive and a trustworthy source of advice. He explains things clearly and took the time to understand what I was looking for to help assist me in my property purchase. He was recommended to me by a friend and I would recommend him to others.

Scott Feigan

Paul and the team at Influence Finance Group have been nothing short of amazing throughout our relationship. Nothing is to hard and Paul is always available to assist and support with anything that we need. I would highly recommend Paul to and of my peers or network.

Alexander Loong

Paul was attentive and helpful, walking me through the process of pre-approvals and then through to settlement as a first home buyer

Sarah Stovin-Bradford

We were exceptionally happy with the service Paul provided, he was always available with any queries we had & went out of his way to provide a great service. Happy to recommend him to anyone.

Holly Pinkerton

Paul Bridges was incredibly helpful and accommodating with the whole Mortgage process. You were already recommended to me by family members and I would happily recommend you to anyone else in need of Mortgage services!

We work with Australia's biggest lenders

Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

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INTERNATIONAL LENDING GROUP PTY LTD ABN: 31 668 903 688. Credit Representative #513915 is authorised under Australian Credit License #517192

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

At Influence Finance Group, we're Mortgage Brokers helping clients Australia-wide get Mortgage Protection Insurance