In New Zealand a winning bid at a property auction creates an unconditional, binding contract the moment the hammer falls. If you are looking to buy at auction, here’s what to have in place.

Continuing our monthly series on the people behind Threefold, this month we’re introducing Matt Bowden, Head of Threefold Protect, and a great person to have in your corner if a personal insurance claim gets complicated. Matt has spent 26 years in financial services, 14 of them working directly as an insurance adviser, and he’s accredited […]

Keeping Both Partners’ Retirement Savings on Track When a couple decides one parent will step back from paid work to care for children, most of the planning conversation is about the household budget. What happens to the mortgage repayments. How to manage on one income. What childcare will cost later on. One thing that rarely […]

30 years of experience, now focused on your KiwiSaver This month we’re kicking off a new regular feature, introducing you to the advisers behind Threefold. First up is Sharon McAlister, who has recently moved into our KiwiSaver team after a long career across mortgages and insurance. Sharon brings more than three decades of financial services […]

AI has its place. It is a useful research assistant but shouldn’t be used as a decision maker – especially when it comes to financial advice.

Since 1 December 2025, tenants have had the right to ask to keep a pet, and landlords can only say no on reasonable grounds. It’s a big shift for rental properties and by law, most landlords will end up having to say yes to pets more often than not. Against this backdrop, it is important […]

The latest insurance claims data from New Zealand’s major health and life insurers tells a consistent story with orthopaedics topping the speciality list, imaging and tests dominating by volume, and claims paid out for members aged 65 and over running at roughly four times the amount paid for those in their late teens. With long […]

What to know, what’s on offer, and… what cover you might already have. Typically, you insure your car, house and income without a second thought. However, insuring your children can feel different, harder to think about, and easy to put off. Yet it’s worth understanding why insuring your children can be worthwhile, what is available, […]

If you’ve ever chosen a KiwiSaver fund based on your age or how far off retirement or purchasing your first home you are, you’ve made a sound first decision. Growth funds through your accumulating years, moving toward balanced and conservative as you near key milestones: that guidance holds true and remains the right starting point. […]