Capital Advice is a mortgage and insurance brokerage based at 344 Tinakori Road, Wellington, offering free, personalised advice to help clients buy a home and protect their family and assets. The business describes itself as having over 70 years of collective experience (stated elsewhere on the site as more than 75 years), built up across its team of advisers.
The team includes mortgage advisers Kit Jackson, Gareth Humpreys, Richard Christensen, and Caleb Rikihana, alongside Risk Insurance Adviser Stu Crowther. Together they cover home loans for first-home buyers, refinancing, investment property, and construction, plus a full range of personal insurance (life, mortgage repayment, income protection, health, total and permanent disability, and trauma insurance) and business risk insurance (business continuation, key person cover, shareholder protection, and group insurance).
Capital Advice works with an extensive network of lenders across New Zealand to negotiate competitive terms, and states that its service is 100% free to clients. Beyond Wellington, the business also serves Lower Hutt, Upper Hutt, and Masterton, and offers ongoing support even after a mortgage has settled or an insurance policy is in place.
Capital Advice is a Wellington-based mortgage and insurance brokerage operating from 344 Tinakori Road, built around more than 70 years of collective experience among its advisers. The business positions itself as a specialist guide through the process of buying a home and protecting family and assets, offering free, personalised, and tailored advice.
Capital Advice's mortgage brokers work across the full range of borrower needs — from first-home buyers who need step-by-step guidance on deposit requirements and loan structures, through to refinancing for better terms, investment property mortgages structured to maximise returns, and construction loans for those building or renovating. The team stays current with policy changes, economic data, and regulations so they can negotiate competitive rates on a client's behalf, drawing on an extensive network of lenders across New Zealand.
The brokerage's advisers include Kit Jackson, Gareth Humpreys, Richard Christensen, and Caleb Rikihana on the mortgage side, and Stu Crowther as Risk Insurance Adviser. Each brings their own direct contact details, and clients working with Capital Advice can expect a personalised process: an initial consultation to understand your goals, a tailored loan search across multiple lenders, clear explanations of every mortgage detail, support through the application and approval process, and ongoing support even after your loan is drawn down.
Beyond mortgages, Capital Advice offers a full suite of personal insurance products, including life insurance, mortgage repayment insurance, income protection insurance, health insurance, total and permanent disability insurance, and trauma insurance — each designed to protect a client's income, family, and lifestyle. For business owners, the brokerage also offers business risk insurance, covering business continuation insurance, key person cover, shareholder protection insurance, and group insurance.
While based in Wellington, Capital Advice also serves Lower Hutt, Upper Hutt, and Masterton, and notes it can assist clients looking to invest or buy in major cities across New Zealand, or anywhere in the world. The business emphasises building lasting relationships with clients, continuing to offer support and advice well after a purchase has settled.
Capital Advice's service is 100% free to clients. The brokerage can be reached on 04 495 5903 or by email at [email protected], with its office located at 344 Tinakori Road, Wellington, 6011, New Zealand.