Prashant Balsara

Navigating personal risk can feel overwhelming, but it doesn't have to be. I provide empathetic, clear advice on life insurance, trauma and critical illness cover, and private health insurance. I analyse your family’s specific needs to ensure you have exactly the right level of protection without paying for unnecessary premiums.

If an accident or illness stops you from working, your mortgage payments don't go on hold. I structure tailored income protection and mortgage repayment insurance to safeguard your household cash flow. My goal is to ensure that a medical emergency never puts your home or your family's stability at risk.

Alongside protecting your lifestyle, I provide end-to-end advice for securing your property finance. From working out your actual borrowing capacity to securing pre-approvals and final loan structuring, I guide first home buyers and existing homeowners through the entire Wellington property market.

Debt and risk go hand in hand. By advising on both your mortgage and your personal insurance, I make sure your overall financial strategy is completely aligned. This means your home loan is structured efficiently, and your insurance cover is perfectly calibrated to match your actual debt levels, giving you total peace of mind.

I negotiate directly with New Zealand's major banks and specialised lenders to secure competitive home loan rates, including:

• ANZ, BNZ, ASB, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, AIA Go Home Loans, Heartland Bank, NBS, Unity, Pepper Money, Avanti Finance, Basecorp, Liberty, and First Mortgage Trust.

For your personal risk cover, I work closely with New Zealand's leading insurance providers to design a secure, reliable safety net tailored specifically to you and your family, including:

• AIA, NIB, Fidelity Life, and Unimed.

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