Making those big financial decisions can be easier than you thought. Okay, hands up who loves supermarket shopping!
Hmmm....thought not. So much choice, so many products, what's on special and what's not, what's the best deal, can I afford it and do I really need it anyway. Nothing is as simple as it seems and often it's easiest to grab the same old same old without taking a look to see if there's a better alternative.
Wouldn't it be wonderful to have a personal shopper to do it all for you, some skilled and impartial magician to go calmly round the shelves picking the best products at the best prices, sorting through all those choices for you and saving you heaps of time, money and angst? Someone to steer you away from that tempting chocolate aisle and make some healthy decisions? And best of all, someone you didn't even have to pay.
Maybe that option doesn't exist for groceries, but it does for an arguably far more important part of life – your finances. That's where Counties Home Loans and Insurance comes in. Between them, Geoff Wilton, Hannah Wilton and Rowena Derry have a combined 30 years of experience cherry-picking the best deals in home loans and insurance for their clients.
“When you go to a bank for a loan, they will offer you their own financial packages and rates, which may or may not be the most favourable for a particular client,” Geoff explains.
“As a registered financial advisor, I am able to focus entirely on the needs of individual clients and seek out the best possible deal for each one. Because we are accredited with a number of major lenders, including the main banks, we can shop around for interest rates and terms which best suit our clients' circumstances.
“Many people find dealing with large corporate banks daunting, but with our knowledge and contacts we can take over that burden. Because of our specialised focus we can provide personalised service, whether it's helping a family into their first home, refinancing or hunting down the best rate for a business venture.”
The personal service doesn't end there.
“We are happy to meet with clients wherever and whenever suits. We understand not everything can be crammed into a nine to five day. For many people it's just not possible to meet with us during their working day, so we will visit clients in their own home when both partners are able to be present and have the time to discuss their needs in full without being rushed.”
Not only do Counties Home Loans and Insurance sort out the best rates, they save you the trouble of chasing up the paperwork.
“Following up the progress of your loan application can be time consuming and frustrating. At Counties Home Loans we look after you, from lodging the loan to settlement and beyond. A bank will do the loan, but then you are on your own to make sure everything comes together at settlement. Dealing with a bank often means dealing with a call centre – and we all know how infuriating that can be!
“Our mission is to find the best deal for our clients, wherever that may be. And in most cases it won't cost you a thing.
“Our personal touch after settlement extends to housewarming gifts, birthday cards and a courtesy trailer available for customers to help them move into their new home, which you will see out and about most weekends.”
With over 15 years of very successful industry experience before setting up his own business in the town he loves, Geoff knows the ins and outs of the banking world. Rowena also has a solid background in banking but has branched out in a slightly different direction
“I realised customer service was the aspect of my job that I enjoyed most, so I decided to specialise in insurance. I deal with personal insurance, including health and income replacement, and I work with six different agencies.
“Like Geoff, I am able to tailor the best deal for a client by making the most appropriate choices from a range of options. Having the right insurance is about having peace of mind. I discuss clients' needs with them and help them decide the type and extent of cover that's best for them.
“I'm always there for my clients if they need help with following up claims. That's particularly important if a client is unable to work or in hospital, or if their circumstances have changed. I'm a port of call for any queries or problems clients have with their insurance.
“I keep in contact with clients to help them make any necessary adjustments to their insurance cover. For me, it's all about committing to my clients and their changing needs.”
Hannah is the invaluable office manager providing support for Geoff and Rowena.
“This is a business where we can help in many ways through lending and insurance,” she says. “We love supporting Franklin, and the people and businesses that make up our community. We shop local, live local and have a local office in Pukekohe's King Street to make it easy for people to come and see us.
“We like to help with sponsorship of local events whenever we can. All of us enjoy outdoor pursuits so we've included a number of sports clubs in our sponsorship programme.”
You can learn more about Counties Home Loans and Insurance on their website, www.countieshomeloans.co.nz or phone Geoff on 0274 444 492 or Rowena on 027 4330 344. Find out how they can help to make those major financial decisions a whole lot simpler and save you money.
Who knows, you could end up with a whole lot more cash to spend at the supermarket!