Mortgages. Insurance. KiwiSaver.

Take The Next Step To Building A New Home!

So you've found your dream GJ Gardner home - congratulations!

Let our expert new build lending specialists help you get the best deal and guide you every step of the way.

Book a complementary consultation today to get pre-approval on your loan and take the first steps towards securing your dream home or investment property!

Get the best rates & expert advice

Fill in the form to book your free consultation with our new build lending specialists and to find out what you can borrow.

GJ Gardner Landing Page (#13)

Expertise

Your New Build Mortgage Adviser Specialists

At Threefold, we’re more than just mortgage advisers — we’re your partners in building a better future.

Whether you’re planning a GJ Gardner custom build, buying off plan, or starting your journey with a house and land package, our experienced team can help you navigate the lending process with confidence.

We know that building a new home comes with unique challenges — from staged payments and valuations to meeting lender requirements and timing it all with your build schedule. That’s where we come in.

Our advisers are experts at helping securing lending for new builds and will guide you through:

- Understanding your borrowing options and deposit requirements
- Structuring your loan to align with construction milestones
- Comparing lender terms, interest rates, and cash contribution offers to make sure you get the best deal
- Managing risks

We’re here to support you at every stage of your build - not just at loan approval. Whether you're just exploring your options or ready to break ground, we’ll help ensure your loan works for you now and in the future.

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