Tania has been our go to person for the past 9 years for our mortgage applications. She’s been a part of our journey from buying our first home till now. What we appreciates most was her responsiveness and transparency. She answered any question promptly and we received a clear answer. She helped me compare different rates and ultimately guided us toward an option that fit our situation best. We also thank Sacha for her support in this positive experience.

We are incredibly grateful to Michelle for going above and beyond to help us purchase our first home. From start to finish, she made the entire process feel smooth and manageable, always taking the time to guide and support us every step of the way. Her dedication, patience, and genuine care gave us so much confidence throughout the journey. Nothing was ever too much trouble, and she truly had our best interests at heart. Thank you Michelle, for making this milestone such a positive and memorable experience. We highly recommend your services to anyone looking for someone knowledgeable and willing to go the extra mile. Juan and Sherblyn

We recently refinanced our home loan with the assistance of Bruce Sayer at Threefold. We have worked with Threefold and Jonathan Michell since 2016, where Jonathan helped us into our current property and loan. Bruce continued the high standards that Jonathan set way back then, and helped my wife and I to meet our short term financial goals. Bruce is an excellent communicator and worked hard to understand our needs to translate these into a favourable settlement with the next bank. I highly recommend Bruce and Threefold for your financial needs.

My partner and I highly recommend Richard Harwood at Threefold. He is kind, friendly and easygoing, explains everything clearly, and communicates quickly and efficiently. We find him a pleasure to work with.

I recently worked with Harrison at Threefold for KiwiSaver advice and couldn't be happier with the experience. He took the time to really understand my situation and walked me through my options in a way that was easy to understand, no jargon, no pressure, just genuinely helpful advice. Harrison set me up with a great provider that suits my goals perfectly, and I left feeling confident that my KiwiSaver is actually working for me. It's clear he knows his stuff and genuinely cares about getting the best outcome for his clients. If you've been putting off sorting out your KiwiSaver, I'd highly recommend reaching out to Harrison at Threefold. Couldn't ask for better service!

Harri from threefold is an excellent advisor, making switching kiwisaver providers seamless and easy. After an in person meeting I was satisfied with the level of service and made the change immediately. The presented information was clear, concise and accurate thanks to Harri’s in-depth understanding of financial markets and the modern economy enabling me to make an informed decision about my kiwisaver.

I recently sought advice from Harri regarding my KiwiSaver and overall investment allocation, and I was very impressed with his professional and analytical approach. He took the time to assess my investment horizon, risk tolerance, and long-term financial objectives before recommending any changes, and clearly explained the differences in asset allocation between growth, balanced, and conservative funds. What I found most valuable was his ability to break down complex concepts such as diversification, volatility, fee impact, and long-term compounding in a way that was both technical and easy to understand. His recommendations felt well-reasoned, transparent, and aligned with my goals rather than generic advice, and the whole process gave me much more confidence that my KiwiSaver is structured appropriately for long-term performance. I would highly recommend Harri to anyone looking for informed, professional guidance on KiwiSaver or investment planning.

I have had a great experience with Threefold. Carl was knowledgeable and patient explaining all my options and he made the process very easy. Would definitely recommend.

I had the absolute pleasure of working with an incredible team of experienced professionals ! From sorting a mortgage to home insurance, wealth planning etc, this team @threefold took all the stress out of what felt like the biggest decision sessions I’d undertaken.. !! And the coffee !! Pure magic .. 100% recommend this team trust the process @threefold x

Matt Bowden at Threefold has made our transition to a new insurance policy “seamless”. Answered our questions quickly and clearly. Can’t speak highly enough of his excellent service! Dean & Jodie Berking

Thank you, Michelle, for looking after me as I worked through renegociating my mortgage. I appreciated your guidance and the work you did to ensure the outcome was a positive one.

We have worked with Richard on a few houses now and I’ve always found him to be super easy to work with, honest, reliable, knowledgeable and all round a good guy. Thanks for all of your help !

We've had the best experience working with Tania Teihotua-Gate at Threefold with our mortgage. She made the process so easy but was very thorough. I highly recommend Tania at Threefold.

Bruce and Jason were exceptional to deal with. They helped us immensely with securing both our mortgage and insurances, and made the whole process feel easy and stress-free. They’re great guys — very accommodating, understanding, and never pushy. Communication was always clear, and they genuinely had our best interests at heart. I highly recommend Threefold to anyone looking for friendly, professional, and reliable support.

Jonathan and the team have been great. I’ve used Jon for a few mortgage purchases over the past 8 years, and he and his team have always been incredibly helpful, knowledgeable, and never pushy. Jonathan is also very funny and personable, he is such a likeable man. I really appreciate all your help and excellent service.

My partner and I have been working with Threefold for a few years now and they are the A Team! Highly recommend. Very professional and always getting us the best deal.

Matt from Threefold was outstanding to work with. He took the time to understand my budget and ensure I had the right cover in place. His communication throughout the entire process was exceptional — I couldn’t have asked for a better experience.

We recently worked with Bruce from Threefold on a refinance, and the whole process was incredibly seamless. Having some background in the industry, I know how complex these things can be behind the scenes, so the fact that it all felt so simple from our side really speaks to Bruce’s expertise and professionalism. He clearly knows his product inside and out and made everything easy and stress-free. I look forward to continuing our relationship and would highly recommend Bruce and the team at Threefold to anyone looking for knowledgeable and reliable financial guidance.

I have used ThreeFold for a few years now and the whole process was smooth and stress-free from start to finish. Communication was clear, all my questions were answered quickly, and I felt supported the entire way through. They made what could have been overwhelming feel easy and straightforward. Highly recommend!

High quality advice married with high quality service, I would highly recommend Jonathan and his team..

Great service and team! Much appreciated.

Great to work with and always secure some great rates for us.

When I moved to 3Fold I just thought it was another broker doing what they do. But the Team worked for me to get the best deal, get the most cash back and get the wins over the banks as best they can. Also helped my kiwisaver grow alot faster. Didnt realise how underperforming it was and those little fees how much they would add up by the time i retire.

I have thoroughly enjoyed and recommend Jonathan Mitchell as he has provided excellent advice on my mortgage and general finance matters. He has ensured that I have done the absolute best with my resources.

We have recently started working with Luke @ Threefold after our previous Financial Advisor left the business and he has been fantastic to work with. Luke has been very helpful working with our bank to help us navigate our latest renovation goals and we very much appreciate his attention to detail and prompt action on this project!

I have worked with Matt for many years now and always found his service to be second-to-none. He is professional, efficient, provides simple explanations to things and does it all with a great sense of humor. I find insurance things complicated and a bit scary to be honest but he breaks it down, provides ideas and solutions to help me make the best choices for myself and my family. I trust him 1000% and would happily recommend him to anyone. As long as Matt is in this industry he has a client in me!

I've worked with Sharon to review our current insurance policies. She is very transparent, patient and professional. Her communication is top-notch. Very happy with the service, thanks Sharon and Threefold team!

Tania Teihotua-Gates was outstanding with her support, guidance and knowlegde when purchasing my first home. There was never a dumb question i could ask, and i could call, email or text her whenever i needed advice. Her knowledge as a financial advisor is extrodinary, and she's a wiz at number crunching. I am so grateful to her, and would absolutely recommend her services to anyone. Meredith Jones :)

We have used Jason Lloyd to review our insurances to give us a better fit for our stage of life. Jason is knowledgeable, practical and speaks in manner which makes it all very easy to understand. Jason was able to tailor our insurances to give us improved cover, as well as save us money on our premiums. We highly recommend Jason to anyone looking for personal insurances. Paul and Nerys

I recently approached Threefold to see if they could help me move the second tier funding of my property portfolio over to bank funding. I had previously been told by my existing broker that I was quite some way off from being able to qualify for that option. Richard Harwood at Threefold took on the application process. Richard was really good to work with and he secured me a great deal with one of the main banks. This has made a huge difference to my cash flow and financial position. I would definitely recommend using Threefold.

Matt made the process of signing up to insurance so easy. He handled the messaging, fought on my behalf to get exclusions removed and was very communicative all the way through. I know that if I ever run into any problems, I can go to Matt for assistance. Everyone needs to go to Matt to sort out their insurance!

Richard was amazing, he sorted out our morgage and was great with communicating to the bank on our behalf. Extremely helpful. Highly recommend Threefold.

Johnathan and Bruce have been exceptional. Once again they have worked so hard and pulled off what felt impossible! Their advice, persistence and expertise have helped us re-structure saving us literally thousands of dollars a month! Such an incredible team, I recommend them to everyone I know. Thanks again guys, rock stars of the mortgage world!

Richard and the team at Threefold have been absolute superstars helping me to navigate the minefield of mortgages and kiwisaver. They helped me to get the best deal possible and start my home-ownership journey on the right foot. I cannot recommend them enough!

We remortgaged with Michelle Wilson of Threefold in 2025. Michelle was amazing, listened to our situation, understood where we were coming from and what we were trying to achieve. Incredibly grateful for what she was able to do for us and will definitely be using her again when the times comes to do it all over again! Thanks so much Michelle, you made a really stressful situation miles better :D.

Had a meeting with Carl, the advice was great. Potential changing to Threefold after next fix.

Have been working with Jonathan and his team at Threefold for a number of years. It's always been a seamless process and Jonathan has been very straight forward and upfront about what's achievable. Excellent level of service and always on hand to provide clarification on matters. Highly recommend their services.

We have worked with Tania as our mortgage advisor for years. She makes the process so very easy - she's friendly and approachable and great with timely communication, plus you feel like she actually cares. We wouldn't hesitate to recommend her to others.

Good service. Michelle Wilson, the Mortgage Broker was a pleasure to talk to. Timely and prompt with follow ups. Comfortable to talk to and helpful with suggestions to meet the needs. Strongly recommend Threefold.

Mālō 'aupito Tania and your team for the ongoing support and help with with our mortgage payments. Your optimistic is shown in our exciting journey. Thank you for always coming back asap. Highly recommend Threefold and their team to anyone who is looking for a financial adviser.

Had a mortgage review and KiwiSaver review. Both went really well and were super helpful. Have switched KiwiSaver providers and am also in the process of changing my mortgage both with the help of Threefold.

Bruce gets all the stars from me! ***** He helped me get my ducks in a row before I even knew how many ducks were in the equation - no question was too silly or asked too many times; I was going this alone and felt like I had an awful lot of questions! Bruce is knowledgeable, proactive and quick to respond. I appreciated that he fully understood that buying a house is/was one of the biggest decisions of my life, and his insights and info reflected that... I expected it to be a hugely stressful process; definitely big thanks to Bruce that it wasn't.

We have just signed up with Threefold to review our insurances. For once, we finally have a full and clear understanding of our insurance coverage and we're confident should anything happen to us(touch wood) that our family will be ok. Our agent Matthew was very clear, he went through everything thoroughly and was happy to chat with us in the weekends and late-night once the kids were out of our hair. We're very happy. Thank you

Matt has been amazing in reviewing my insurances and giving me a better understanding of my polices which has led to a nice healthy claim - very much appreciated!

We have been working with Three Hold for the last 2x years, we deal with Tania Gates who's been amazing and efficient. She always keeps us up to date with Bank Low Rates and deals. Especially when the Government announces new schemes for new homeowners. Shes an easy person to work with, you never feel any pressure, always positive and encouraging. We recommended the Team 100% if you need any help regarding buying a house. Regards Mafoe Family

Great working with Bruce at Threefold to arrange my mortgage financing. He made the process really easy, and got me a great outcome with the bank which well surpassed my expectations. Would highly recommend working with Bruce to others.

A massive thanks goes out to Tania for her professionalism and perseverance during this whole process. Even when things weren't looking good, she never gave up! right up to the last minute. Her sheer tenacity and hard work is what got us over the finish line and for that, myself and my family are truly grateful and indebted to her and your company. I have no hesitation in recommending your services to anyone hoping to refinance, buy or sell their property etc.

I’ve been with Jonathan and his team for the last five years. And have been so grateful for their insightful approach to best handling my finances. I appreciate that they provide options and their considered opinions but that they are also very relaxed about me making my own decisions. I’ve consistently found that they have their finger on the pulse of the markets and their advice tends to be spot on in terms of where they think things are heading. After spending most of my life not using a mortgage broker, the last five years have been a revelation. Jonathan, Julie and the Threefold team have removed the stress from my relationship with my bank and you can’t put a price on that.

I have had such a great experience at threefold and working with David around my home loan. I really appreciate his dedication and knowledgeability around supporting me in this process. Always available for a phone call and to explain the nitty gritty of home loans

We have been using Threefold for about 4 years now. I can happily say Jonathan and the mortgage advisor have been top notch. Used them for our house insurance and have been very satisfied especially when our house got flood when Auckland floods hit a few years back. When we switch kiwisaver with the help of Threefold we have seen incredible growth. Matt with health/life insurance has been very helpful and proactive to find the right cover that is going to work for me and my family