You have finished your education, and you are ready to get started. You might be leaving home, starting a career, or paying off a student loan.

Starting with the right financial foundation makes building for your future so much easier. Camelot can help you work out what your goals are. We work with you to help decide what’s important to you, what’s realistic and achievable, and give you the advice to make it happen.

When you first start out, you may not have a lot of actual assets, but you still have things that need protecting, like your income and your health. You’ll need to consider things like KiwiSaver and whether you intend to buy a house in the future, all while enjoying some of your earnings now.

We’ll help you put your plans into action and then keep in touch to make sure you’re on track. If your circumstances change, we’ll be able to advise you how to adapt those plans. Our aim is the same as yours – to make sure you get to where you want to be.

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It’s never too late to start your financial journey with Camelot.

You can improve on your financial plan at any stage of life. Discover how the team at Camelot helped Cath and Mafi capitalise on their great start with KiwiSaver to achieve their home ownership dreams.

Cath and Mafi had a less-than-traditional start to their life together, having their family at a young age, and moving to the Cook Islands for ten years. When they returned to New Zealand with three children in tow, they had to focus all their resources on day-to-day living and the arrival of their fourth child. Aside from taking out a modest life insurance policy, their financial planning consisted of managing weekly expenses and making the most of educational and sporting opportunities for their children.

When the government introduced KiwiSaver, Cath and Mafi realised that it was a great way to start saving for their future, and joined immediately. Not only were their savings protected from being spent on anything other than a new home, contributions from the government and their employers meant they grew quickly. But while their KiwiSaver accounts were expanding, their day-to-day finances were under pressure from putting their older children through university, and from travel costs incurred by the younger ones playing representative sport. As a result, they accumulated a sizeable credit card debt, which was pushing their dream of owning a home further and further away.

That’s when Cath and Mafi spoke to a Camelot adviser, who showed them how they could achieve their dreams right away. Camelot helped them apply successfully for a mortgage, and they are now able to use the equity in their new home to pay off their short-term debt, and enjoy the future with their growing family – including grandchild number one!

Cath and Mafi had this to say about their experience:

“We wish we’d sought advice so much earlier! It feels like overnight we have gone from being a family restricted by debt to not only homeowners of a property that is much more than we thought we could have considered, but to also have a plan to sort our finances and still be able to build for our future. We now feel like the wealthiest of families with a comfortable family home, adequate insurance in place to ensure the family are protected and a really exciting future. We could not have done this on our own. The Camelot Adviser team have been very supportive and have reassured us and supported us through a purchase process we knew nothing about, introducing us to the professionals we needed … they have shown us a plan that we never would have thought possible while keeping things simple and understandable. We look forward to continuing to work with our Camelot Adviser team to see through our plans.”

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