Insights

Expert Financial Advice

Insights and updates on financial advice, mortgage, insurance, 

and KiwiSaver.
Five Threefold Group team members smiling together at the KAN 2026 Conference Awards gala evening.
18 May 2026

Threefold Awarded Outstanding Advice Business

At the Kiwi Adviser Network (KAN) Industry Awards 2026 held on May 13, Threefold was recognised in *FOUR* different categories – a result we think reflects the caliber of people, advice, and processes across our business. The headline result was our team taking out the Outstanding Advice Business Recognition (5+ Advisers) award. The judges were […]

A smiling man with glasses sits at a desk with a laptop, notebook, and coffee cup, planning his career. He is wearing a green jacket over a white shirt. The bright office background shows others working at different life stages.
26 Jan 2026

Have Your Insurances Kept Pace With Your Career & Life Stage?

Early on, careers are usually about getting a foot on the ladder. Those early years often involve regular promotions and steady rises in income as you gain experience and take on more responsibility. But as you move through the years and your salary rises, one area that frequently lags behind is personal insurance.  When your […]

A charming, light-colored Victorian-style house with a wraparound porch, intricate trim, manicured hedges, and green lawn under a clear blue sky—an inviting haven amid evolving 2026 mortgage trends.
13 Jan 2026

2026 in Focus: What’s Happening In The Mortgage Market

Please note this article appeared in our January 2026 newsletter. If you are interested in our current view on what is happening with interest rates, please click here. There is no shortage of opinions about where the housing market and interest rates are heading next. Over the summer break, we have consolidated our own thinking […]

A joyful couple, Matt and Kristen, sit on a couch, celebrating and smiling while looking at a smartphone. The woman raises her arm in excitement as the man clenches his fist—both radiate congratulations and enthusiastic happiness.
05 Jan 2026

Congratulations to Matt & Kristen

Winners of our latest ‘get a review and win $5k’ competition We’re delighted to announce Matt and Kristen as the winners of our most recent ‘Win $5,000 Cash on Us’ competition. Matt and Kristen were automatically entered into the draw after they completed a review with our team. When we let them know they had […]

A family of four, including two children and two adults, smiles and enjoys making dough together at a kitchen island—just like the teamwork needed in mortgage planning for a successful future.
09 Dec 2025

Planning your 2026 mortgage strategy

The end of the year often arrives in a rush of social events, family plans, and last-minute shopping. Once the busy period settles and you ease into your summer break, it becomes the perfect moment to take stock of your mortgage strategy. A quick review can help you start 2026 on the front foot by […]

An older couple sits at a wooden table in a cozy living room, looking at documents and a laptop together. They appear focused and content, perhaps discussing holidays or how to make a claim if something goes wrong, surrounded by books, plants, and warm natural light.
09 Dec 2025

How to make a claim if something goes wrong over the holidays

The holiday season should be a time to unwind, reconnect, and enjoy a slower pace. Yet this time of year can also come with a few surprises. A sudden illness, a travel mishap, or an urgent issue at home can quickly derail even the best planned break. When something goes wrong, knowing how to make […]

A man wearing a wide-brimmed hat and blue shirt cleans the gutter of a tiled roof with a gloved hand, showing preparedness as he focuses on his task before summer storms arrive.
09 Dec 2025

Summer storms and insurance: Are you prepared?

Summer brings long days and warm evenings, but it also brings fast moving storms that can catch homeowners off guard. Heavy rain, strong winds, and surprise downpours have unfortunately become a part of New Zealand’s summer season, and they often lead to insurance claims. To minimise and mitigate damage from summer storms, here’s a few […]

A group of people wearing Santa hats decorate a sand Christmas tree with ornaments and starfish on a sunny beach, celebrating the holidays. The sky is clear, buildings are visible in the background—don’t forget to check insurance for your festive fun!.
11 Nov 2025

Why It Pays to Check Your Insurance Cover Before the Holidays

The festive season in New Zealand is not solely about BBQs, sunshine and DIY because, as ACC statistics remind us, a surprisingly high number of festive injuries also take place! According to ACC data gathered from the last few years, around 2,500 Kiwis are injured every December doing Christmas-related activities, costing more than $2 million […]

Smiling older couple, both over 65, standing outside with the man hugging the woman from behind. They appear happy and relaxed, enjoying a sunny day in a lush green garden or backyard.
11 Nov 2025

Over 65 and still working?

Here’s a smart way to make your NZ Super work harder If you’re over 65 and still working, you’ve probably started receiving your NZ Super payments. But have you considered what to do with it if you don’t actually need it for day-to-day living? One smart option could be to invest your NZ Super (or […]

A man and woman smile while stacking coins on a table beside a piggy bank, glasses of orange juice, and Win Mortgage papers, suggesting they are saving money together for their home loan.
11 Nov 2025

When Should You Refix or Refinance Your Mortgage?

Unsure whether to refix or refinance your mortgage? Learn the difference, when to act, and how timing can save thousands. Understanding Refixing vs Refinancing Many homeowners use refix and refinance interchangeably, but they mean very different things and the choice can make a big difference to your long-term costs. Refixing means locking in a new […]

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