You drop the numbers
No email, no login, no upload. Type or paste the 3-5 numbers that matter for the product you're being quoted on.
Wealth Health› Quote-Fit
60-second second opinion · No email required
Drop your quote. Get the real read.
Your bank just sent you a refix offer. Your insurer just raised your premium. Your KiwiSaver provider sent the annual statement. Are any of them fair? Paste the numbers in, get an instant verdict (Fair, Negotiable, or Suboptimal) with the specific reasons. From Craig Coupland, CFP.
Got a refix offer or a new-purchase quote from your bank? Drop the rate, term, cashback and balance. We'll compare against current illustrative market benchmarks and tell you what to do next.
Got a renewal letter that came in higher? Drop your premium, your cover amount, your age band and whether you smoke. We'll compare against age-banded illustrative typicals and flag the gap.
Annual statement in your inbox? Drop your fund type, your balance, your annual fee % and how long until you access it. We'll check the fee against the NZ median for that fund type, and whether the fund matches your horizon.
How Quote-Fit works
A second-opinion machine, not a sales funnel.
We benchmark against NZ market
Per-product reference tables: mortgage rates and cashback ratios by term, insurance premium typicals by age-band, KiwiSaver fee medians by fund type. Pulled and reviewed monthly for production.
You get an instant verdict
Fair, Negotiable, or Suboptimal — with the specific reasons line-by-line. Most people get to the verdict inside 60 seconds.
Then it's your call
If the verdict says you're fine, you walk away knowing it. If it says you can do better, Craig will either renegotiate it or move it. 15-minute call. No pitch.
When Quote-Fit beats the HealthCheck
Two tools, two intents.
Both are free, neither needs an email. Pick the one that fits where you are.
Use Quote-Fit when…
You have a quote in hand
Bank refix letter, insurance renewal, KiwiSaver statement. Specific numbers in front of you.
You want a verdict in seconds
You're not exploring, you're deciding. Single screen, single answer.
You're shopping right now
You have a meeting with the bank tomorrow, or the cooling-off period closes Friday. You need orientation now.
Use the HealthCheck when…
You don't have a quote yet
You want to know whether you should be shopping at all, and which pillar is the biggest hole in your money picture.
You want the whole picture
Mortgage + KiwiSaver + Insurance across one conversation, scored side-by-side.
You're not sure where to start
The HealthCheck tells you what to look at first.
Common questions
Things people ask before they trust the verdict.
Where do the benchmarks come from?
Illustrative current market rates for mortgages, age-banded insurance premium guidance, and KiwiSaver fee medians by fund type. These figures change frequently. In the production version, the mortgage rate table refreshes against interest.co.nz weekly, the insurance bands are reviewed quarterly against an in-house dataset, and the KiwiSaver fee medians pull from Sorted's Smart Investor data. Demo figures are clearly marked illustrative.
Is this regulated financial advice?
No. Quote-Fit is a structured second-opinion tool that flags whether a quote is in line with the current NZ market. Personalised regulated financial advice comes from Craig Coupland as a Certified Financial Planner under FAP licence FSP 523606.
Do you store my quote?
No. The check runs entirely in your browser. Nothing leaves the page, nothing is logged, nothing is sent to us. If you book a call, you bring the verdict with you.
Why do I still need a CFP for this?
Because a Quote-Fit verdict is the start of a conversation, not the end. Renegotiating a mortgage involves break costs, lender criteria, structure and timing. Restructuring insurance involves underwriting and continuity-of-cover. Switching KiwiSaver involves transition timing and tax. Calculators miss all of that. A 15-minute call doesn't.
What if the verdict says my quote is Suboptimal?
Two paths. You can either take the verdict back to your current bank / insurer / provider and use it as leverage to renegotiate. Or you can book Craig to do the move properly. Both are fine. The point is you have evidence now, not a vibe.
Got a Quote-Fit verdict you want to act on?
Bring it to a 15-minute call with Craig. He'll either tell you the verdict is right and the path forward is clear, or tell you what the calculator missed.