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 family of four stands in a backyard. The parents are with their two young daughters, one of whom holds a small dog. The background features a wooden fence and greenery.
18 Nov 2024

Protecting Yourself Against Life’s Unexpected Events

Life can change in an instant. A diagnosis of cancer, a heart attack, or stroke can upend not only your physical health but also your financial stability. For New Zealanders, trauma insurance offers a way to protect against the financial burden that comes with critical illnesses. In New Zealand, where rates of heart disease, cancer, […]

A family enjoys a sunny day at their home pool. Two adults relax on chairs, while a child jumps into the water and another sits at the pool's edge. Their two-story house, boasting large windows and siding, enhances the property portfolio's charm in the background.
18 Nov 2024

Leveraging The Equity In Your Home To Build A Property Portfolio

Unlock the Power of Your Home to Invest in More Property As house prices continue to appreciate, your property may offer you more than a place to live. Instead with the equity you’ve built up over the years, you may have a powerful tool for wealth creation at your fingertips. By leveraging the equity in […]

A woman in a white blouse smiles while shaking hands across a desk, holding a pen and papers—suggesting a successful home loan meeting for first home buyers in a modern office.
18 Nov 2024

How to Create the “Perfect” Loan Application

Applying for a mortgage can feel overwhelming, but with a bit of planning and preparation, you can present a strong case to lenders. A “perfect” loan application demonstrates not only your income but also responsible financial management and the ability to meet repayments comfortably. Whether you are applying for a mortgage for your first home, […]

A smiling couple takes a break, looking at a laptop together at a wooden table in a modern kitchen, surrounded by papers, a phone, and a coffee cup.
22 Oct 2024

Rates Are Dropping: Should I Break, Fix or Float?

Updated: October 23, 2024 Following the Reserve Bank of New Zealand’s announcement that it had dropped the OCR by 50-basis points to 4.75 percent on October 9, we have seen all the main banks drop their rates. ANZ led the way by dropping it’s one-year rate to 5.59 percent, with ASB and BNZ following suit. […]

A cheerful couple sits at a desk celebrating with raised fists, smiling as they look at Interest Rate Insights on their laptop screen in a bright room with large windows, excited about the latest updates as of October 15.
15 Oct 2024

Interest Rate Insights – October 15

Following the Reserve Bank of New Zealand’s announcement that it had dropped the OCR by 50-basis points to 4.75 percent on October 9, we have seen all the main banks drop their rates. ANZ led the way last week by dropping it’s one-year rate to 5.59 percent, and this week we have seen ASB and […]

A man wearing glasses and a black t-shirt sits comfortably on a beige sofa, smiling while holding a tablet—enjoying personal data safety in a modern, stylish living room with pendant lights and a kitchen in the background.
09 Oct 2024

Stay Cyber Smart: Essential Tips for Protecting Your Financial and Personal Data

With Cyber Smart Week (21-27 October) just around the corner, now is the perfect time to ensure your financial and personal data is secure. As cyber threats rise, it’s more important than ever to safeguard your digital life. Here are the key takeaways you need to know to protect yourself from fraud, identity theft, and […]

Two people wearing aprons stand smiling in a modern coffee shop. The woman on the left has her arms crossed, and the man on the right holds a tablet. They are both wearing white shirts and standing in front of a countertop with cups and plates.
09 Oct 2024

Self-Employed? Protecting Your Financial Wellbeing

Running your own business can be incredibly rewarding. Whether you’re a sole trader, contractor, or small business owner, being your own boss gives you freedom and flexibility. However, for the almost half-a-million self-employed Kiwis, it also comes with added responsibilities, particularly around protecting your financial future. One critical area often overlooked is personal insurance. Without […]

Four people of different ages sit closely together on a couch, smiling in a bright, modern living room—much like the diverse range of KiwiSaver members contributing to its impressive $111 billion in funds under management.
09 Oct 2024

KiwiSaver Surpasses $111 Billion in Funds Under Management

KiwiSaver has reached a significant milestone, with the Financial Markets Authority (FMA) reporting that the scheme now manages over $111.8 billion in funds as of March 2024. This achievement marks a 19.3% increase from the previous year and reinforces KiwiSaver’s vital role in New Zealand’s retirement savings landscape. With 3.33 million active members, up 2.5% […]

Three people sit at a table reviewing documents together. A woman in a suit holds a tablet and paper, while a man and another woman listen, engaged in conversation about Interest Rate Insights ahead of October 9.
09 Oct 2024

Interest Rate Insights: October 9

Updated: October 09, 2024 Over the past week, we have seen most of the main banks in New Zealand lower their short-term rates in anticipation of a further drop to the OCR. The anticipated drop was confirmed on October 9, when the Reserve Bank of New Zealand announced it had dropped the OCR by 50-basis […]

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