Everything sorted

Your mortgage is usually the biggest financial decision you'll make - but a mortgage on its own is only part of the big picture.

Most people sort the lending and stop there, leaving their life insurance, income protetction, KiwiSaver, and broader finances to figure out later. The problem is later rarely comes.

We make sure nothing gets missed - bringing your mortgage, insurance, and KiwiSaver together into one clear plan, so everything works together from day one.

One team, one plan, everything connected.

Person juggling financial assets - investments, insurance, mortgage and savings.

The mortgage is just the beginning

Getting your mortgage sorted is a big step - but it's only one part of your financial picture. Most mortgage clients get advice in pieces, from different people, at different times, with nobody looking at how it all fits together.

We look at everything together so you're not making decisions in isolation - a mortgage structure that supports your goals, insurance that protects the income paying for it all, and KiwiSaver that keeps working for you long after you've got the keys.

When everything is aligned, you make better decisions and get better results.

The part most people overlook

When you buy a home, the focus is usually on the rate and the repayments. But the real risk isn't the loan, it's your ability to keep paying for it.

Illness, injury, or time off work can put your financial position under real pressure, faster than most people expect. ACC only covers accidents but most serious health events aren't accidents.

We make sure the right cover is in place around your mortgage, so a difficult situation doesn't become a financial crisis.

Learn more about insurance offerings.

A connected plan works better

A mortgage structure that supports your goals - not just gets you approved. Insurance that protects the income paying for it all. KiwiSaver and investment planning that keeps working for you long after you've got the keys. One team, making sure that everything is working for you in the years ahead.

Financial adviser giving financial advice to a client

This advice comes at no extra cost

For most clients, insurance and KiwiSaver advice comes at no separate cost - we're paid by the lender or insurer when your loan or policy settles. Taking the time to get these sorted alongside your mortgage means your lending, insurance, and KiwiSaver are all working together - so you're in a stronger financial position from the start. If any fees apply in your situation, we'll tell you before we proceed.

Book a FREE intitial consultation

What our clients say

“Castle Trust have taken a lot of the thinking out of it for us, we think the great thing is that we have a plan in place for our future. If you don’t know where to start, go to Castle Trust and get sorted - and not just for insurance, investing for kids and your retirement planning for the future. They really care”

Edee & Ryan, Brooklyn

We look at the full picture

A common concern is whether working with an adviser means being sold something you don't need. It doesn't work that way here.

We start with your mortgage. If we spot gaps elsewhere - in your insurance, your KiwiSaver, or your broader financial plan - we'll point them out and explain why. What you do with that is entirely up to you.

No pressure. No runaround. Just straightforward advice from people who know what they're talking about.

Iad showing calculator for mortgage investment savings and insurance

Explore our services

Not sure which service is right for you? Start here.

Mortgage advising

Buying, moving, renovating, or refinancing - we find the right lending and negotiate on your behalf. Learn about mortgages.

Insurance

Protect your income, your family, and your home against the things ACC won't cover. Learn about insurance.

Investment Planning

Make your KiwiSaver work harder and build a plan for what comes after the mortgage. Learn about investment planning.

Book a FREE intitial consultation

“The team is amazing - especially Anna-May, Melanie and Chevaun! I've never had consultation with finances before, and the team was so helpful with getting me sorted, as well as a plan for the future. We sorted my kiwisaver, discussed plans for future mortage, and other options. Would definitely recommend for other young people looking to check their financial plans”

Megan F, Hastings