Threefold

Managing Finances in the Holiday Season Amid Cost of Living Crisis

As we approach the holiday season, the festive spirit often makes managing finances challenging, especially in the current climate of high living costs and mortgage rates. Balancing the joy of giving and celebrating with the practicality of budgeting can seem daunting. However, you can navigate this period without compromising your financial health with strategic planning […]

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A Steady Hand Amidst Political Winds: RBNZ Holds OCR Unchanged Ahead of Election

In a move forecasted by economists, the Reserve Bank of New Zealand (RBNZ) keeps the Official Cash Rate (OCR) stationary at 5.5% in the final review before a pivotal national election. This decision marks the third instance of maintaining a stable OCR following an 18-month sequence of rate hikes, solidifying a cautious and deliberate approach

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Reserve Bank of New Zealand Holds Official Cash Rate: A Threefold Perspective

In light of the Reserve Bank of New Zealand’s (RBNZ) recent announcement to hold the official cash rate (OCR) at 5.5%, we’d like to provide you with our analysis, blending Threefold’s insights with the prevailing economic landscape. 1.  The Status Quo Maintained: As predicted in our prior review, the RBNZ has decided to maintain the OCR at 5.5%. This

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Interest Rates and the Reserve Bank: A Threefold Perspective

Published 10 August 2023 As we approach next Wednesday’s upcoming Reserve Bank’s official cash rate (OCR) review, all eyes will be looking to market experts and financial analysts who have been pondering the likely decisions and the impacts they may have on mortgage rates, inflation, and the housing market. Here’s a Threefold view of the

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Spring Home Maintenance Checklist: Preparing Your Home and Finances for the Year Ahead

As the days grow longer and the flowers begin to bloom, New Zealanders can feel the essence of spring bringing freshness and renewal to our beautiful country. With the changing seasons, it’s the perfect time to give your home and your finances a well-deserved boost after the winter months. Spring offers a golden opportunity to

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Avoid These Common Financial Mistakes: Insights from Experienced Financial Advisers

As experienced Financial Advisers, we have witnessed countless individuals and families fall into common financial pitfalls that can have a lasting impact on their financial well-being. From leaving cash in savings unlinked to their mortgage to neglecting retirement planning, these mistakes can hinder the achievement of long-term goals. In this article, we’ll delve into some

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Maximising Your Mortgage in a High Interest Rate Market: Smart Strategies for Savings, Flexibility and Control

Hey there, homeowners! We understand that managing a mortgage in a high-interest rate market can be quite a challenge. But fear not, because at Threefold, we’re here to help you make the most of your mortgage while securing your financial future. In this article, we’ll share practical and friendly tips to guide you through these

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