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Smart, Savvy Financial Solutions
Smarter Finance
Smarter Protection
Smarter Education
Welcome to The Smart Advice Collective - Sarah and Rachael have more than 45 years of financial experience between them and would love to help you.
We share the same core values with a candid and straightforward approach, and most importantly, a shared passion for helping others.
Our mission is clear: to simplify your life.
Whether it's securing your dream home, making wise investments, or protecting your family and assets, we are dedicated to assisting you. And if we can save you a significant amount of money along the way—that's a win for everyone!
You always know where you stand with us - genuine, honest advice, even if the truth hurts. We approach helping our clients just like we would our own family members.
We’re committed to guiding you in making informed mortgage and insurance decisions—because great advice should always be simple, direct, and free from stress.
ABOUT RACHAEL
Smarter Mortgages
Hi, I’m Rachael – the Smarter Mortgage Lady since 2013 and I love helping people into their own place to call home. I believe everyone deserves the chance to pay off their mortgage faster, without sacrificing their lifestyle.
Using a unique process, I assist you to structure your mortgage creating flexibility of early repayment and certainty of cost, helping you reach your financial goals, as a smarter mortgage saves you time and money.
Our team has helped thousands achieve financial certainty, and we’re ready to do the same for you. In just minutes, I can assist you to save on interest, use your equity to grow your property portfolio, or get into your first place to call home.
Are you ready to create your smarter mortgage today? Connect with me to get started!
ABOUT SARAH
Smarter Insurance
Hi! I'm Sarah Cavanagh, your personal insurance expert in New Zealand since 1996. I specialize in providing insurance solutions for women and families, helping you find the right plan, with the best terms possible specifically for you and your family. Giving you real peace of mind that your family, your income and your home are protected.
With my knowledge and expertise, I will provide personalised guidance for life and trauma insurance, health, mortgage, income and disability protection, as well as general insurances to help you make informed decisions that align with your priorities and values. I am passionate about working with you to secure the future of your loved ones.
I am dedicated to empowering clients to make informed decisions that secure their future and provide financial security. You can trust my expertise.
Join the Smart Girls Club
We believe in the power of community and sharing knowledge. Join our events, workshops, and initiatives designed to empower women in Auckland, connect with like-minded individuals, access valuable resources, and stay informed about the latest finance and insurance insights tailored to women's needs.
Clients we've helped make smarter financial decisions
The breeziest financial makeover ever.
"Sarah was a breath of fresh air amidst a plethora of confusing policies. Insurance has always seemed complex and dull, led by brokers who seem to care more about getting a quick buck than the best deal for their clients. Sarah is different.
She saved us a significant amount of money on policies with much better terms and explained our policies in a relatable way, so we now feel empowered to make decisions about our insurance. The process was seamless and exceptionally easy. Sarah has a bright, down-to-earth demeanor and it felt like the breeziest financial makeover ever. I feel confident she has our best interests at heart."
DR HEATHER ANDERSON
