Maria De Monchy and Francis Lovegrove

“We are very happy. Thank you for giving us your perspective and insights. It is really hugely valuable for someone to be able to speak the ‘insurance language’ and be able to translate it to digestible layman’s terms for us.”

Gill Burdett

“I was lucky enough to hear Tracey give a presentation on assessing risk (other than life).  This was very timely for me as a younger relative had recently been diagnosed with a health condition which rendered them unable to work long term.   I realized that despite having lots of life insurance in case the worst happened – that in fact there quite a few other areas of risk we were potentially exposed to.

Tracy visited us at least three times over a period of several months. She spent hours both researching the best products for us from a number of companies, and then going over these with us, comparing them with the policies we already had in situ, and helping us see how we could mix and match both existing and new products to give maximum cover.  With Tracey’s expert help we were able to clearly identify our risks and reduce cover and associated costs that didn’t fit with these. We then used these savings to cover the previously unrecognized areas of risk.  We’ve enjoyed working with Tracey and highly recommend her –  its also great to know that in the event of needing to make a claim Tracey would also help with that.”

Hamish White

“Tracey and Kit have provided exemplary insurance and mortgage advice.  They are both extremely approachable and knowledgeable about their areas of expertise.  They have fitted in with our timing and gone the extra distance, including Tracey meeting with us at home and Kit responding to our queries while out of Wellington.  I have recommended their services to friends and would happily do so again.”

John Grimwood

“Tracey took my wife and I through a comprehensive review of our personal risk cover.

Tracey listened to us as we talked through our understanding of our insurance needs, asked some good questions and then advised on product options.  At the end of this conversation Tracey placed life, mortgage repayment and disability insurance for my wife and I, and medical insurance for our children.

The process Tracey took us through left us with a better understanding of our insurance needs and confidence that the products and cover levels we put in place effectively matched these needs. As an added bonus changing insurance supplier and the nature of some of our cover ended up lowering our insurance premiums.

Tracey has been very easy to deal with, efficient and knowledgeable, and always brings a good sense of humour to the process.”

Gautam Manger

“I heard about Capital Advice through a friend when we were discussing complications of understanding insurance and appropriate cover. Tracey Verrenkamp spent time understanding our requirements against our existing cover and policies. Our policies had not been updated for some time and in all cases were superseded by better cheaper products aligned to our current situation. Capital Advice presented a variety of risk versus cover options with no hard sell and it was evident they understood all the products. We had their assistance through the provider transition and they made the whole process very simple to understand. I would not hesitate in recommending Capital Advice to anyone.”

Dr Simon Snook

“I have used Kit for all my mortgage advice over the last few years and found him very knowledgeable and responsive to my requirements. His involvement has saved me a large amount of money and an even larger amount of stress. I would recommend his services unreservedly.”

Mike and Karyn Bain

“From the very first moment of meeting Tracey from Capital Advice, we felt comfortable talking with her about us as a couple and our young family

when looking for insurance needs. She was able to give her unbiased opinion and recommendations on all the requirements, issues and options that we had at our disposal.

With great professionalism she was able to deliver all we need to do quickly and concisely, which made us feel we could trust her and her advise

on what would products would be suitable and cost effective for us. Giving us confidence to want to get all our insurance requirement through her services.

I have no hesitation in recommending both Tracey and the Capital Advice team on getting the job done”


Toby Green

“The real benefit was in not having to deal with the bank – Kit made it all so easy, and definitely got me a better deal.”

Karen Hodgson

“Kit is extremely good at his job – he’s experienced, responsive and proactive. His advice and help made all the difference in us buying our first home in NZ.”

Anthony Towsend

“The insurance business is complex so it was good to deal with an experienced and knowledable adviser who could explain the benefits and pitfalls of insurance offerings in plain English.  Tracey took the time to understand our needs and made the process easy.  I highly recommend Tracey for your insurance needs.”

Lorraine Wood

“Capital Advice were fantastic to work with when we recently reorganised our health insurance. We now have reduced our monthly fees and have a far better product as a result.  I was most impressed with the perseverance shown by our advisor ensuring that we got the best result possible rather than settle for something less that would have been far quicker and easier for her!”


“I found Tracey really easy to deal with. She was knowledgeable and explained everything very clearly for me.

What would have taken me over a couple of weeks to sort, was done in a matter of days with very little fuss and the exact cover I was requiring.

Many thanks again Tracey for making this as stress free as possible.”