CIC Financial

28/08/2026

A home loan isn’t just about finding the lowest advertised interest rate.

Different lenders can have different rates, fees, deposit requirements and lending criteria, so it’s worth looking at the full picture.

A mortgage adviser can help you compare your options and understand what may suit your situation.

27/08/2026

Some fixed mortgage rates have risen recently, after a period where borrowers had become used to seeing rates ease.

It’s a useful reminder that mortgage rates can move even when the OCR hasn’t changed.

If you’re coming up to a refix or planning to buy, rather than trying to predict exactly where rates will go next, it can be more useful to focus on what works for your budget, how much certainty or flexibility you want, and whether your loan structure still suits your plans.

Starting the conversation early can also give you more time to understand your options and consider whether your current loan structure still suits your circumstances.

If you’d like to talk through your mortgage options, the team at CIC Financial is happy to help.

26/08/2026

Kind words like this mean a lot to the team at CIC Financial.

If you’d like support with your mortgage, health insurance, life insurance or broader financial planning, we’re here to help.

20/08/2026

Your bank balance only tells part of the story. In this video, we break down how to understand your net worth, what those numbers actually mean, and why small, intentional choices with your money can make a big difference over time.

We’ll look at assets, debts, KiwiSaver contributions, long-term investing, and how they all work together to improve your financial picture. A simple, practical guide to checking in on your financial health and feeling more confident about the road ahead.

19/08/2026

A great result for one of our clients building a new home 🏡

Thanks for the kind words!

14/08/2026

When did you last check whether your insurance still reflects your life today?

Income can change. Mortgages can grow or shrink. Families, expenses and financial responsibilities can look very different from when cover was first put in place.

That doesn’t always mean you need more insurance, but it can be worth checking whether the cover you have still makes sense for your circumstances.

Our article looks at some of the reasons personal insurance needs can change over time, and why an occasional review can be useful.

When people first put personal insurance in place, it is usually based on their situation at that point in time. Income, expenses, debts, and family responsibilities all help determine what types and levels of cover may be appropriate. However, these factors rarely stay the same. Over time, changes....

13/08/2026

Health insurance is becoming a bigger consideration for many New Zealanders.

With pressure on the public health system and premiums continuing to rise, the questions people are asking about medical cover are changing too.

In this video, we look at how the conversation around health insurance has shifted, and what’s worth considering when deciding what role it could play for you and your family.

12/08/2026

Finding a better balance between work, life and finances can sometimes start with a few simple changes.

Setting clearer boundaries, making time for yourself, managing your time well and keeping on top of your finances can all help reduce some of the pressure.

When it comes to the financial side, having a realistic budget and clear goals can make it easier to see where you’re heading and what may need attention along the way.

If you’d like some guidance around your financial goals and how they fit into the bigger picture, the team at CIC Financial is here to help.

07/08/2026

KiwiSaver advice doesn’t need to be complicated.

For most people, the starting point is simple:
✔️ Get the full employer contribution
✔️ Don’t miss out on government contributions

Once those basics are covered, it can be worth looking beyond KiwiSaver. There are investment options that work in a similar way, but without locking your money away until 65.

The right mix depends on your goals, your timeline, and when you might need access to your money.

If you’re not sure how your savings are structured, it’s worth getting advice.

06/08/2026

Retirement planning is about more than choosing an age to stop working or reaching a particular savings target.

It starts with thinking about the life you want. Will you travel, work part-time, stay in your current home, help family, or simply have more freedom over how you spend your time?

Once that picture is clearer, you can begin estimating what it may cost and whether NZ Super, KiwiSaver, savings and other investments are likely to support it.

At CIC Financial, we can help you review where you are now, explore your options, and build a practical plan designed around the retirement lifestyle you want.