Mortgages
Negotiation, structure, refixes that don't just default to the same bank.
- First home buyers
- Refixing & restructure
- Refinancing to a better lender
- Investment property
- Self-employed & construction
A Certified Financial Planner · 26 years in the trenches
Read OCR Watch →
Your whole money picture, explained in plain English.
Mortgages, KiwiSaver, insurance, investing. One adviser. One conversation. Run by Craig Coupland, who spent 14 years inside ANZ and BNZ before he left to give the unbiased advice he kept wishing he could.
26Years in NZ finance
CFPCertified Financial Planner
523606FAP licence (FSPR)
4.9★From real Google reviews
Next OCR · live coverage
RBNZ decision in —
Your Wealth Health · sample
73 of 100
Mortgage health
68/100
KiwiSaver health
82/100
Insurance health
61/100
You have one gap worth a 15-min call.
→
Start where you are
What's just happened in your life?
Most advice is sold by product. We think it's easier to start with what's actually changed for you.
Buying my first home
KiwiSaver withdrawal, deposit, lender choice, the lot.
Just had a baby
Life cover, income protection, what changes the day they arrive.
Made redundant
Mortgage holidays, insurance restructure, what to do in week one.
10 years from retirement
Fund settings, decumulation plan, the questions banks won't ask you.
Starting a business
Key-person, ACC vs income, lending you didn't know you could get.
Inherited money
Trust, tax, the right order of operations before you spend it.
What we do
Four pillars. One adviser. One plan.
Most NZ advisers specialise in one thing and refer the rest. Craig is qualified across all four, and joins the dots so they actually work together.
KiwiSaver
The right fund for your age, your goal and the next ten years (not the last ten).
- Fund choice & provider review
- First home withdrawal
- Contribution strategy
- Retirement transition
- Self-employed top-ups
Insurance
Cover that actually pays out. Plus we sit beside you at claim time, not just sale time.
- Life cover
- Income protection
- Health insurance
- Trauma & total disability
- Mortgage repayment cover
Investing & planning
Managed funds, retirement modelling and estate plumbing, all under the FAP licence.
- Managed fund portfolios
- Retirement projection
- Decumulation strategy
- Estate & trust signposting
- Annual whole-of-life review
OCR Watch & Insights
Plain-English commentary, every time the rules move.
RBNZ moves the Official Cash Rate, the lenders all reprice, and most Kiwis are left guessing. We publish what it means for your repayments inside two hours of every decision.
Next OCR · 27 May 2026
First home buyers
Insurance
What the May 27 OCR decision means for your mortgage
Three scenarios pre-modelled with repayment maths. If you're inside 6 months of a refix, here's the call we'd make.
Craig Coupland · CFP
Drafting · publishes 27 May, 2pm
The First Home Withdrawal mistake we see most often
It's not the size of your KiwiSaver. It's the timing of when you tell the bank about it. Three real client examples and the fix.
Craig Coupland · CFP
8 May 2026 · 6 min read
Why $110,000 of surgery cost one of our clients nothing
A real claim, real numbers, real timeline. What private health cover actually does when public waitlists run to 18 months.
Craig Coupland · CFP
28 Apr 2026 · 5 min read
The credentials
Everything you can verify before you ever talk to us.
FAP licence (firm)
FSP 523606
Full Financial Advice Provider licence, granted by the FMA.
Top professional designation
CFPcm
Certified Financial Planner. Held by a small minority of NZ advisers. What this means →
Independent disputes scheme
FDRS
Financial Dispute Resolution Service. Free for clients. Binding on us.
Word of mouth still works
What clients actually say.
★★★★★
"Illustrative example pending: one of Craig's real refinance outcomes will sit here once selected and approved by the client."
SR
Sample testimonial · TBC
Refinance case · illustrative
★★★★★
"Illustrative example pending: one of Craig's real insurance review outcomes (incl. the documented $110k surgery payout case study from the live site) will sit here once selected and approved by the client."
JM
Sample testimonial · TBC
Insurance case · illustrative
★★★★★
"Illustrative example pending: one of Craig's real first-home outcomes will sit here once selected and approved by the client."
EK
Sample testimonial · TBC
First home case · illustrative
OCR Watch · monthly newsletter
One email after every RBNZ decision.
No spam, no upsell, no daily takes. The OCR Watch dropped into your inbox the day RBNZ moves, plus the occasional substantive piece on mortgages, KiwiSaver and insurance. Unsubscribe in one click.
- ✓ Inside 2 hours of every OCR
- ✓ Plain English, no jargon
- ✓ Written by Craig, not a bot
Want a second pair of eyes on your money?
15 minutes, on the phone or over a coffee in Papamoa. No pitch. We'll either find something worth fixing or tell you you're already sorted.