Master Your Mortgage
Pay It Off Faster. Build Wealth Sooner.
Your mortgage is likely your biggest financial commitment. With the right structure and strategy, it can become your most powerful financial lever.
Take Control of Your Largest Debt
For many New Zealanders, the mortgage quietly runs in the background for 25-30 years. Payments go out, interest accrues, and life moves on. But small structural improvements can reduce years of repayments and tens of thousands in interest.
Master Your Mortgage is designed to help you optimise your existing loan structure, increase flexibility in your repayments, reduce the amount of interest you pay overall on your mortgage, and align your mortgage strategy with your long-term financial goals.
An enable.me coach works with you to turn your mortgage from a passive obligation into an active strategy.
What Your Coach Will Focus On
Mortgage Structure Review
We assess your current loan splits, interest rates, fixed and floating terms, and repayment settings to identify optimisation opportunities.
Cash Flow Alignment
Your mortgage should work with your income cycles and expenses. We help design repayment systems that increase surplus without adding pressure.
Repayment and Refinance Strategy
Debt Repayment Efficiency
Integrate your mortgage into a broader debt plan that prioritises the highest-impact repayments first.
Risk & Rate Resilience
Stress-test your structure against rising interest rates, job changes, family growth, or income shifts.
Execution & Accountability
Quarterly check-ins and ongoing reviews ensure your strategy evolves with the market and your life stage.
The Benefits of Working with enable.me
Independent, Expert Strategies Driven by Real Accountability.
Working with enable.me means:
- Independent financial advice – no product bias
- Tactical plans backed by data
- Clear 12-month roadmaps
- Structured progress reviews
- Coaches who understand both lending markets and household cash flow
We don’t just provide recommendations. We help you execute them.
Book Your
Consultation Today
Secure your initial one-on-one session with a qualified, independent financial adviser for $149 (valued at $400).
Your 90-minute consultation is tailored to the complexity of your situation and designed to give you clarity on:
- Your current mortgage structure
- Opportunities to improve it
- The potential savings available
- What a structured 12-month plan could look like
At the end of the session, you’ll understand your next best move.
If you’ve been referred by a friend, enter their full name during booking to unlock mates’ rates.
Returning clients (who have attended a consultation within the last two years) will be charged the full consultation value.
What to Expect in
Your Consultation
We all start our financial journey at different stages. We have different tendencies, wealth levels, timeframes, and ambitions. No matter where you’re starting out and where you want to end up, enable.me can help.
Your initial consultation with an enable.me financial adviser is designed to get a better understanding of where you are now and what your financial goals are to see how we can support you on this journey. It’s split into four parts.
Part 1: Diagnose Your Situation
We’ll dive into your money mindset, habits, and financial position. We’ll assess what you own, owe, earn, and spend, plus review your mortgage repayment progress and any existing investments.
Part 2: Analyse the Opportunities
We’ll benchmark your current performance against your goals, highlight inefficiencies (like fritter spending), and show you where smarter strategies can speed up your progress and help identify areas for improvement.
Part 3: Strategic Recommendations
We’ll discuss a high-level game plan tailored to you, what to focus on, when to act, and how your decisions impact your long-term financial future. Depending on your situation, this may include a projected mortgage-free target date, savings goals, or investment strategies.
Part 4: Your 12-Month Plan
You’ll get a clear outline of what the first 12 months with enable.me could look like, from a quick tune-up to an intensive programme designed to unlock your financial potential.
What Our
Clients Say
Real stories from real people we’ve helped.
“Where do I start! We have just finished our first year with enable.me and can’t thank our Coach Kristin enough for all her mahi, sound advice and guidance. We definitely wouldn’t be where we are today financially if we had continued plodding along on our own. I can’t sing Kristin’s and enable.me’s praises enough. Our only regret is not jumping on board a lot earlier. All the knowledge we have gained is being passed down to our children, who are young adults, giving them the tools to be a lot more financially savvy as they begin their working lives.”
Kristin Sutherland’s Client
“Ashleigh is a delight and so understanding. She helped us adapt to our changing circumstances and put us at ease.”
Ashleigh Waterman’s Client
“Lisa has a pleasant, welcoming manner that put my husband and me at ease immediately. She asked us numerous questions, which gave her a good understanding of our present financial position and of our goals, so I felt her advice was very relevant. She is good with numbers, and her use of the software created a financial review and a graphical forecast with valuable information. We discussed a plan to reach our goals sooner, and this has brought my ideas into agreement with my husband’s, which has made us feel more at peace about our finances. Thank you for all this, Lisa!”
Lisa Butler’s Client
“Rebecca listens to my needs and is empathetic. She explains things so that I can understand, with a friendly manner.”
Rebecca Starkey’s Client
“Corrie-Ann is amazing. She is so supportive and knowledgeable. She takes the stress out of everything and goes above and beyond to help and guide me. She is always one step ahead in following up on everything. I would not be able to do this without her.”
Corrie-Ann Jone’s Client
“It really transformed my financial management, and I think also just having those frank discussions about what’s negotiable and what’s not negotiable at the moment…It was just absolutely brilliant. It’s actually having somebody to structure it for you and go through it with you. That’s the thing that made the biggest difference.”
Shaila Contractor’s Client
“Clear communication, shared understanding of our goals and excellent strategies to support our success. It is really exciting and motivating to see the graphs projected.”
Matt Buckeridge’s Client
“Ray has been amazing for us. Our financial health has completely changed because of Ray’s advice.”
Ray McKeown’s Client
“Maylyn is so approachable, and she always takes time to clarify points and any uncertainties. She’s encouraging and positive while also keeping us on track and goal-focused. We feel very safe working with her, and we recommend enable.me to everyone we know.”
Maylyn Chai’s Client
“Working with a financial coach makes me feel a lot more in control of my goals and my destiny. It means you don’t have ‘money worries.’ Money worries are the pits, and I feel like I’ve had that until now…. I’m now feeling in control, hitting my financial goals, know my targets and goals. It’s more peaceful as I know I have my will in place, they cover everything, so I feel safe.”
Alisha Brady’s Client
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Do you have further questions?
Let’s Master Your Mortgage together. Contact us today to start your journey.