Build wealth by reducing your mortgage and growing your investments with a holistic financial plan.

Sureplan helps Kiwi homeowners reduce mortgage debt, optimise cashflow, and build wealth faster with personalised financial planning strategies.

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Mortgage reduction strategies that actually work

Long-term financial planning, not one-off advice

Over 15 years of supporting NZ families

Are you earning more but still not getting ahead financially as fast as you would like?

Without the right financial structure, many homeowners end up paying unnecessary mortgage interest, struggling with cashflow, and missing opportunities to build long-term wealth.

Paying a mortgage but not getting ahead
Earning more, yet still feeling stuck
Unsure whether you should invest or pay down debt
Missing opportunities to reduce interest costs

Real people’s experiences of building wealth with financial planning – how they felt stuck and how a financial plan helped them gain clarity and confidence.

Hear from clients

The reality is that most people will spend most of what they earn. That’s why getting ahead isn’t just about making more money, it’s about how your money is structured. Even if you think you’re doing “pretty well”, a wealth building focused financial roadmap may help you make more progress, often without major lifestyle changes.A clearer financial roadmap can change what feels possible.

Results that move families forward

We help New Zealand families make confident decisions today, so they can build a more secure tomorrow.

$55,000,000

in interest saved

$65,000,000

in savings

$350,000,000

in investments

Move from thinking to doing and create financial freedom.

See how we can help

Turn financial goals into measurable progress

A personalised financial strategy gives every part of your financial life a clear purpose. With the right structure and ongoing support, you can reduce debt, improve cashflow, build investments and make meaningful progress towards the life you want.

Thoughtful financial planning conversation

28%

Pay off your mortgage sooner

Many Sureplan clients are repaying their home loans 28% faster. Collectively, our clients have saved more than $55,000,000 in mortgage interest.

$65,000,000

Create more room in your cashflow

A practical cashflow system can turn unallocated income into purposeful savings. We have supported clients to save more than $65,000,000 that they were not saving before working with us.

$350,000,000

Build investments with purpose

Our clients have invested more than $350,000,000 towards goals including retirement, financial independence, future income and opportunities for the next generation.

Move from thinking to doing

Financial confidence comes from knowing what to do next. A clear plan helps our clients act on important financial decisions they may have been considering for years.

Create long-term financial freedom

A coordinated strategy can help secure your retirement, support your children’s future and make room for meaningful lifestyle goals. We build these priorities into your cashflow plan and provide ongoing support to help you stay on track.

See how these numbers are calculated

Ready to see what your money could achieve?

Have your questions answered by a real person and take the first step towards a clearer financial future.

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What we do

Our holistic financial service helps clarify your financial goals and creates a personalised plan tailored to your family’s circumstances, priorities and future.

Holistic Advice

Expert, comprehensive advice helps you make confident financial decisions. Holistic financial planning ensures that all parts of your financial life are working together rather than working in isolation or even worse working against each other. Every recommendation reflects your circumstances, priorities and goals.

Financial Structure

We review your debt reduction strategy, insurance, investments and retirement planning, then bring everything together in a personalised, practical plan designed to achieve your goals.

Ongoing Support

We help you stay on track and adjust your plan as your circumstances, needs and goals change. Having an expert on your side to help you navigate the big life choices is the key benefit cited by clients who have worked with us for years.

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Who it’s for

Holistic financial planning is generally for:

Homeowners with a mortgage
Families with solid household incomes
People who are doing well but are not working towards a wider plan
Those looking for greater security and confidence that they are on the right track

This isn’t for people looking only for quick wins or one-off advice. We work with our clients every step of the way.Find out more

Or get help with one thing

Not everyone starts with a full financial plan. Sometimes you just need help with one key area. Whether it’s your mortgage, insurance, estate planning guidance, property investment or broader investment decisions, Sureplan can help you move forward with practical advice and a clear next step.Standalone services are generally for:

First-home buyers or homeowners reviewing, restructuring or refinancing a mortgage
Those wanting to review their insurance, KiwiSaver or investments
People considering residential property investment
Those seeking financial guidance as part of their estate planning

Not everyone needs to start with a complete financial roadmap. Sometimes you simply need focused advice and a clear way forward in one important area. Your work with us can remain a standalone service or become part of a wider financial plan when the time is right.Explore individual services

Real results for real families

      EXCELLENT  
   Based on 64 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Dave Manuel 
 
 
 
 Trustindex verifies that the original source of the review is Google. fantastic to deal with. Super responsive, knowledgeable, and got everything sorted quickly. Thanks for the top-quality service!
  
 
      Posted on Google  
   
   Geoff Clow 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had got into a rut with ignoring our finances and needed a good kick up the pants and some serious experienced help to get back on track. Mike and team have done an amazing job helping our family get back on track.
  
 
      Posted on Google  
   
   julian bartram 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Mike has made our lives a lot easier to navigate the difficulties of finance, running a business, and owning a property.  Without Thilini and the team, we don't think we would ever be in the financial position that we're in right now. They're really lovely people who really care about you, and they really spend the time to get to know you and want to see you succeed in life. We refer many friends and family to SurePlan because it just makes sense.
  
 
      Posted on Google  
   
   Tasma Aubrey 
 
 
 
 Trustindex verifies that the original source of the review is Google. The Sureplan team has done a great job of helping us make our financial goals come to life.
  
 
      Posted on Google  
   
   Tilbury Architectural 
 
 
 
 Trustindex verifies that the original source of the review is Google. We joined Sureplan this year and we've been really impressed. They took the time to understand where we're at and what we want to achieve, then explained our options in plain language without any pressure or jargon. The team is responsive and genuinely easy to deal with, and it's obvious they care about getting it right for their clients. Highly recommend Sureplan to anyone wanting to get on top of their finances and invest with confidence.
  
 
      Posted on Google  
   
   Hannah Le 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ria was exceptional. She knows her craft well and is really patient. Willing to help us walk through all the details we needed. Highly recommended the team!
  
 
      Posted on Google  
   
   Jessie Eyre 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sureplan have been awesome at getting me on track with my finances with confidence, in both my day to day spending and planning for the future. Huge thanks to Gareth, Mike, and the team for always being there for questions, meetings, and advice.
  
 
      Posted on Google  
   
   Tonita Thorpe 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can't thank Mike and the SurePlan team enough for their exceptional services.  They have been our financial advisors for over 5 years now and in that time they have have helped us with a number of tasks including paying our mortgage off quicker and refixing with the best rate, checking our insurances for the best options, ensuring our Wills are updated, retirement goals, investment property just to name a few.  They make you feel like they've "got you covered" when it comes to all matters financial.  My only regret is not discovering them sooner.
  
 
      Posted on Google  
   
   Ryan Gray 
 
 
 
 Trustindex verifies that the original source of the review is Google. "Our experience with SurePlan was outstanding from start to finish. They made refinancing our home loan straightforward, kept us informed throughout the process, and were always available to answer questions. The projected savings are significant and could see us become mortgage-free a decade earlier than planned. We couldn't be happier with the outcome and would recommend SurePlan without hesitation."
  
 
      Posted on Google  
   
   Samuel Sherriff 
 
 
 
 Trustindex verifies that the original source of the review is Google. Farrah is as meticulous as she is personable. Exceptional as always :)

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