Where are you today?
Where do you want to be?

We map your lending, investments, insurance, and retirement into one clear picture — so you can see exactly where you stand and what to do next.

Four areas of advice.
One clear map.

Specialist advice across every area of your financial life — connected into a single strategy that actually makes sense.

Lending
MapMy Lending

Home loans, commercial lending, and refinancing — structured to work with your insurance, investments, and retirement plan.

Investments
MapMy Investments

Managed funds and wealth-building strategies designed around your full financial picture, not just market returns.

Coming Soon
Insurance advisory launching 2026
Insurance
MapMy Insurance

Life, health, income protection — the right cover matched to your actual risk profile, lending, and wealth strategy.

Retirement
MapMy Retirement

KiwiSaver optimisation, retirement income planning, and a clear roadmap to stop working on your terms.

MapMy Lending
Every type of lending, one adviser

Whether you're buying your first home or funding a commercial development, we handle the full lending picture — and make sure it's connected to your insurance, investments, and retirement plan.

First home loansGet on the ladder with the right structure from day one
RefinancingMove to a better rate or lender — we handle the switch
RestructuringReorganise your loan to free up cash or pay off faster
RefixingWhen your fixed rate expires, we find you the best option
Upgrades & next homeMoving up? We restructure the whole picture, not just the mortgage
Investment propertyFinance for your next rental — structured alongside your portfolio
Business lendingWorking capital, equipment finance, and cash flow solutions
Commercial lendingCommercial property and development funding

The difference? Your mortgage doesn't sit in isolation. We connect it to your insurance (so you're covered if something happens), your KiwiSaver (so your deposit works harder), and your investment plan (so your equity builds wealth).

MapMy Investments
Grow your wealth with a plan, not a guess

We help you build wealth outside of property and KiwiSaver — through managed funds that are chosen to fit your goals, your timeline, and your full financial picture.

Managed fundsProfessionally managed portfolios matched to your risk profile
Regular contributionsStart small and build — even $50/month compounds over time
Lump sum investingInherited money, a bonus, or a sale — we help you put it to work
Portfolio reviewsAlready investing? We check it's still right for where you're headed

Your investments work alongside your lending (so you're not over-leveraged), your insurance (so a setback doesn't force a sell-off), and your retirement plan (so you're building from multiple angles).

MapMy Insurance
Protect what you're building

We make sure you're properly covered — not over-insured, not under-insured — with cover that's matched to your actual debts, income, and family situation.

Life coverEnough to clear your debts and look after your family
Income protectionReplaces your income if you can't work through illness or injury
Trauma / critical illnessA lump sum when you need it most — mortgage, treatment, time off
Health insuranceSkip the waiting list and get treated when you need to
Key-person coverProtect your business if the key people can't work
Policy reviewsAlready covered? We check you're not paying for gaps or overlaps

Your cover is built around your mortgage balance, your income, and your family's needs — not a generic calculator. When your lending changes, your cover updates too.

MapMy Retirement
See the finish line — and know you'll get there

Whether retirement is 5 years away or 35, we help you see the number you need, check if you're on track, and optimise your KiwiSaver and savings to close the gap.

KiwiSaver optimisationRight fund, right contribution rate, right provider for your age and goals
Retirement projectionsSee what you'll have at 65 — and what you'll need
Income planningTurn your savings into an income stream that lasts
Transition planningGoing part-time first? We map the bridge between work and retirement

Your retirement plan is connected to your mortgage (pay it off before you stop working), your investments (building wealth alongside KiwiSaver), and your insurance (making sure a health event doesn't derail the plan).

Think of it like
Maps for your finances

Drop your pin. Set your destination. Plan the stops. Navigate. See how it works for people like you.

S&J
Sam & Jordan, 29
First home buyers — renting at $480/wk, $65k saved
portal.mapmy.co.nz/themap
SM
Phase 1 · TheMap
Tell us about you
First nameSam
Last nameMitchell
PartnerKate Mitchell
Address42 Riverbend Lane, Hamilton
Income (Sam)$95,000
Income (Kate)$72,000
Step 2 of 9 · You
01
Drop the pin.
"We're here — renting."
Renting, $65k saved between them, KiwiSaver on default settings. They've got the deposit energy — but no plan beyond "get a mortgage."
portal.mapmy.co.nz/themap/review
Sam & Kate Mitchell
Financial Position
Income$198,800/yr
Total Assets$1,616,500
Liabilities$972,200
Net Wealth$644,300
Key Details
Home Loan$540K @ 6.29%
Invest Loan$410K @ 6.79%
KiwiSaver$109,500
Savings$350/wk
Goals & Destinations
NOWRefinance mortgage
1-5YRBuild portfolio to $50K
10+Work-optional by 55
02
Set the destination.
"Our own front door."
A home of their own in the Waikato. Not just a mortgage — a property that's the foundation for everything they'll build over the next 30 years.
portal.mapmy.co.nz/theplanner
4 advice areas · 12 recs
Net Wealth
$644K
Income
$199K
Debt
$972K
Savings
$350/w
Recommendations
1
Refinance Home Loan
↗ Save $4,800/yr
2
Consolidate Consumer Debt
↗ Debt-free in 8mo
3
Health Cover — Both
↗ Medical protection
4
KiwiSaver Growth Fund
↗ +$80K by 65
03
Plan the stops
along the way
The mortgage is just stop one. We restructure their KiwiSaver for growth and add income protection — because if one of them can't work, the house is at risk.
Home loanIncome protectionKiwiSaver reset
portal.mapmy.co.nz/navigator
SM
Welcome back, Sam
Net Wealth
$644K
↑ 4.2%
Debt
$945K
↓ $27K
Actions
7/12
58%
Goals
3/9
6 in prog
Net Wealth Trend
Recent Activity
🏠Home loan refinanced — 5.89%18 Feb
CC consolidated & Afterpay closed12 Feb
🥝KiwiSaver switched to Growth28 Jan
04
Navigate.
"Let's get the keys."
Mortgage, insurance, and KiwiSaver withdrawal coordinated in parallel. One adviser, one timeline, no gaps. They move in 8 weeks later.
From renting to owning — clearly mapped.
Sam and Jordan didn't just get a mortgage. They got a home loan that works with their insurance and KiwiSaver — all connected from day one.
L
Lisa, 44
Trades business owner — $1.2M turnover, everything in the business
ALL EGGS · ONE BASKET
01
Drop the pin.
"Everything's in the business."
$1.2M turnover, good profit — but no personal investments, basic KiwiSaver, no life cover, and a commercial property loan she hasn't reviewed in three years.
55STEP BACK AT 55
02
Set the destination.
"Step back at 55."
She wants the option to step back from day-to-day operations in 11 years with enough personal wealth to live on her terms.
ALL FOUR STOPS
03
Plan every stop
on the route
This journey hits all four areas. Refinance the commercial loan, start a managed fund, put proper key-person and life cover in place, and max KiwiSaver contributions.
Commercial refinanceManaged fundKey-person coverKiwiSaver max
LendingInvestmentsInsuranceDASHBOARD
04
Navigate.
"Show me the dashboard."
Lisa now has a single view of her entire financial life. We review quarterly. As the business grows, her personal wealth grows with it — automatically, not accidentally.
From all-in on the business to personally wealthy.
Lisa didn't need four separate advisers. She needed one map connecting her business lending, personal investments, insurance, and retirement.
D
Dave, 58
Council engineer — $180k mortgage, 7 years to go
58years old$180K MORTGAGE LEFT
01
Drop the pin.
"Am I going to be okay?"
$180k left on the mortgage. $320k in KiwiSaver on a conservative fund. Basic life cover from work. He earns well — but has no idea if he can actually retire at 65.
65MORTGAGE-FREE · 65
02
Set the destination.
"Mortgage-free at 65."
Clear the mortgage, have enough passive income to cover $60k/year in expenses, and stop working full-time. Simple destination.
3 KEY STOPS
03
Plan the stops
for the final stretch
Restructure the mortgage to be paid off by 65. Switch KiwiSaver from conservative to balanced for remaining growth years. Replace work life cover with personal cover before he leaves.
Mortgage restructureKiwiSaver switchPersonal life cover
7years to goOn trackCOUNTDOWN
04
Navigate.
"I can see the finish line."
For the first time, Dave has a clear number and a clear date. His MapMy shows exactly where he stands every quarter — mortgage shrinking, KiwiSaver growing, cover locked in.
From "am I okay?" to "I can see the finish line."
Dave didn't need a fancy strategy. He needed someone to map the last seven years and show him it all works together.
P
Priya, 26
Junior doctor — $78k student loan, huge earning potential
$78K STUDENT LOAN
01
Drop the pin.
"I'm earning, but I owe."
$78k student loan, earning $85k as a registrar with big pay jumps ahead. Default KiwiSaver, no insurance, renting. She's got the potential — just no plan to capture it.
STRONG BY 35
02
Set the destination.
"Financially strong by 35."
Student loan cleared, a solid investment portfolio started, proper insurance locked in while she's young, and a KiwiSaver that's actually working for her age.
BUILDING BLOCKS
03
Plan the stops
while it's cheap
Lock in life and income cover now while she's young and healthy — it's half the price. Start a small managed fund. Switch KiwiSaver to aggressive growth — she's got 40 years.
Life & IP coverStarter fundKiwiSaver growth
Compounding from 26GROWING
04
Navigate.
"Every pay rise has a plan."
As Priya's salary jumps — registrar to consultant — each increase triggers a review. Increase contributions, top up cover, adjust the mix. Her MapMy grows with her career.
Start early, start connected — compound everything.
Priya didn't need complex products. She needed a simple map that grows with her career — insurance locked in young, investments compounding early.
M&S
Mark & Sarah, 37
Second baby on the way — $520k mortgage, income about to drop
FAMILY OF 3 → 4
01
Drop the pin.
"Baby two is coming."
$520k mortgage, combined income of $165k about to drop to $95k for 12 months. No life cover for Sarah. The budget's about to get real tight.
FAMILY PROTECTED
02
Set the destination.
"If something happens, we're okay."
Not about getting rich — it's about stability. Mortgage manageable on one income, both parents covered, kids' future not at risk.
PROTECTION FIRST
03
Plan the stops —
protection first
Switch to interest-only for 12 months. Get life and trauma cover for both parents. Pause KiwiSaver extras temporarily, restart when Sarah's back at work.
Interest-only periodLife & trauma coverKiwiSaver pause
Now3 mo12 mo2 yrRestructureCover liveBack to workFull planPHASED PLAN
04
Navigate.
"We've got a phased plan."
Month 1: mortgage restructured. Month 3: cover in place. Month 12: Sarah back at work, contributions restart. Month 24: full review, add investments. Every phase mapped and timed.
Growing family, growing plan — every phase mapped.
Mark and Sarah didn't need all four areas at once. They needed them in the right order, at the right time — with someone navigating the whole thing.

If I retired today,
what would my income be?

Enter your numbers. See what your assets could generate — after tax, after debt, after real living costs.

$
$
$
$
$
Net Position
Total assets$371,500
Less total debt−$0
Net investable$371,500
Estimated Annual Income at
3%
Conservative
5%
Balanced
7%
Growth
NZ Super (couple, after tax)$37,740
Investment income (at 5%)
+ NZ Super$37,740
Total income
Less expenses (City)−$55,000
Annual Surplus / Shortfall

Your MapMy Financial
Situation — free

A clear, honest picture of where you are today across all four areas — and a personalised roadmap for where you could be.

01

Drop your pin

Tell us where you are today — income, debts, KiwiSaver, cover, goals. Takes about 2 minutes. No documents needed.

02

See your full map

We map your situation across lending, investments, insurance, and retirement — showing what's connected, what's missing, and what's costing you.

03

Take the next steps

Walk away with a clear understanding of where you stand, what the opportunities are, and what steps to take — then you choose the advice areas you'd like to engage in. No pressure, just clarity.

Free · No obligation · 2 minute setup

People who mapped it —
and changed everything

"We thought we just needed a mortgage. MapMy showed us the mortgage was connected to our insurance gap and our KiwiSaver was on the wrong fund. One conversation changed three things."
S&J
Sam & Jordan
First home buyers · Waikato
"I've run my business for 15 years and never had someone actually connect my commercial loan to my personal retirement plan. Now I can see the finish line at 55."
L
Lisa
Business owner · Hamilton
"With the second baby coming, I just needed someone to tell me we'd be okay. MapMy gave us a phased plan — what to do now, in 3 months, and in a year. The stress just lifted."
M&S
Mark & Sarah
Growing family · Cambridge

MapMy Financial
Situation

Tell us a little about where you are today. It takes about 2 minutes — no documents, no commitment. We'll map your position across all four areas and show you the route forward.

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Get personalised next steps
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