Threefold Group

Threefold Group Threefold is a specialist mortgage, insurance and KiwiSaver advisory firm.

Our advisers will help you achieve your financial aspirations and protect your future by providing clear, straightforward and tailored mortgage, insurance and KiwiSaver advice.

Fix, float, or split? With interest rates on the move again, it's a question a lot of homeowners are asking right now.Th...
26/07/2026

Fix, float, or split?

With interest rates on the move again, it's a question a lot of homeowners are asking right now.

There's no one-size-fits-all answer. It comes down to your budget, your plans over the next few years, and how much certainty you want.

If you're due to refix soon, don't just take the bank's default rollover rate, it pays to compare.

Want to talk through your options? Our team's here to help. Visit www.threefold.co.nz/enquire to book a free chat with our expert advisers.

Did you know... New Zealand is one of the more underinsured countries in the OECD, even though most of us have some form...
22/07/2026

Did you know... New Zealand is one of the more underinsured countries in the OECD, even though most of us have some form of cover.

Often it's not that people have no insurance, it's that their cover hasn't kept up with life: a bigger mortgage, a growing family, a new job.

When was the last time you checked yours actually matches where you're at now? If it's been a while, we're happy to take a look together.

Book a free review with one of our expert insurance advisers here: www.threefold.co.nz/enquire

Mortgage rates are on the move. The Reserve Bank has lifted the Official Cash Rate to 2.50%, the first increase in three...
20/07/2026

Mortgage rates are on the move.

The Reserve Bank has lifted the Official Cash Rate to 2.50%, the first increase in three years, and banks have already passed it on to floating home loan rates.

If you're floating, or your fixed rate is coming up for renewal, it's worth checking your options. Not sure what it means for your mortgage? Visit www.threefold.co.nz/enquire to book a free review with one of our expert advisers.

Interest rates just moved. Here's what it means for you.The Reserve Bank has raised the Official Cash Rate to 2.50 perce...
08/07/2026

Interest rates just moved. Here's what it means for you.

The Reserve Bank has raised the Official Cash Rate to 2.50 percent, confirming that interest rates are on the way up again after a period of uncertainty about whether they would hold steady.

If your mortgage is due for refixing in the next six to twelve months, it's worth having a chat with your adviser sooner rather than later. Rates are still moving, and having the right structure in place now can make a real difference.

Want to know what this means for your specific situation? Book a free review with one of our advisers via the link in our bio or by clicking here: www.threefold.co.nz/enquire

15/02/2026

A new arrival is a good time to pause and review your personal insurance.

In this video, our adviser explains what new parents should consider to help protect their family if the unexpected happens.

Strategy or timing. Which matters more when it comes to your mortgage?Many people focus on trying to time the market, wa...
10/02/2026

Strategy or timing. Which matters more when it comes to your mortgage?

Many people focus on trying to time the market, waiting for the “perfect” rate. In reality, a well thought out mortgage strategy often has a far bigger impact over time.

Loan structure, flexibility, repayment settings, and understanding where rates are heading all play a role in how your mortgage supports your goals, not just this year, but well into the future.

Check out this article to find out why strategy matters, how the current rate environment fits into the picture, and what to review when buying, selling or renegotiating rates: https://threefold.co.nz/2026-in-focus

When something unexpected happens at home, the right cover can make a difficult situation easier to manage.Home and cont...
05/02/2026

When something unexpected happens at home, the right cover can make a difficult situation easier to manage.

Home and contents insurance is not just about having a policy in place. It’s about knowing your cover reflects your home, your belongings, and your circumstances, and having support to help you navigate what happens next.

That’s where clear advice and the right support really matter.

If you’re unsure whether your cover still fits your needs, a review can help provide peace of mind before something goes wrong. Book a chat with one of our team here: www.threefold.co.nz/enquire

Great advice starts with listening.Taking the time to understand someone’s situation, their priorities, and their budget...
01/02/2026

Great advice starts with listening.

Taking the time to understand someone’s situation, their priorities, and their budget makes all the difference when it comes to getting the right insurance cover in place.

Feedback like this reflects what we aim for every client: clear communication, considered advice, and support you can rely on from start to finish.

Reach out if we can help you.

If you’re over 65 and still working, your NZ Super may be more flexible than you realise.If you don’t need it for day-to...
30/01/2026

If you’re over 65 and still working, your NZ Super may be more flexible than you realise.

If you don’t need it for day-to-day living, one option worth considering is investing some or all of it into your KiwiSaver. Once you’re 65, your KiwiSaver balance is fully accessible, so your money can stay invested and potentially continue growing, while still being available whenever you need it.

Compared to a standard savings account, KiwiSaver can offer higher long-term return potential and tax efficiency. The key is choosing a fund that matches your goals, timeframe, and comfort with risk.

Staying invested after 65 is not about locking your money away. It’s about giving your savings the opportunity to keep working, while you stay in control of when and how you use it.

If you’d like to understand whether this approach could work for you, a KiwiSaver review can help you choose the right strategy for your lifestyle and plans. Book your free review here: www.threefold.co.nz/enquire

A clear view of your finances makes it easier to make confident decisions.Whether you’re reviewing your mortgage, checki...
28/01/2026

A clear view of your finances makes it easier to make confident decisions.

Whether you’re reviewing your mortgage, checking your KiwiSaver, or making sure your insurance still fits your life, clarity matters.

We’re here to help you focus on what matters most.

Book a free review of your mortgage, insurance or KiwiSaver today by clicking here: www.threefold.co.nz/enquire

Address

Level 1, B:Hive+, AIA Building, 74 Taharoto Road, Takapuna
Auckland
0620

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+6494180773

Website

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