Moving Home Mortgages

Moving house? No problem

Every New Zealander’s property journey is different. You might buy a doer-upper to get onto the property ladder then move a few more times before you find (or can afford) your forever home. Your family might outgrow your four walls so you need to add on or upgrade. Your elderly parents might need to move in, or a new job might mean you have to move out of town. You might buy a rental property or holiday home. A relationship breakdown might mean you need to split assets. And once the kids have flown the coop, you might want to downsize and free up some capital so you can enjoy your retirement.

Threefold’s mortgage broker team has helped countless clients move onto their next property adventure. And because everyone’s property journey is different, our approach to helping you move out of one house and into another, or adding to your property portfolio, is different too.

If you’re juggling a couple of mortgages on different properties, the Threefold mortgage broker team can put together a successful mortgage application to the best bank that works with your situation. Our strong relationships with each of the banks that operate in New Zealand mean that we can compare mortgage interest rates and match you with the right provider, instead of approaching multiple banks and hoping that one of them will say ‘yes’.

The adviser you deal with the first time will be the adviser you deal with next time – and the next. We don’t pass clients from one adviser to another; we value the relationships that we create with our clients and are passionate about seeing them grow and succeed along their property journeys.

It can be stressful selling and buying property at the same time, especially if you’re buying out of town, so our advisers will manage everything mortgage-related so you can focus your attention on your property – and the property you’re eyeing up.

If you’re building an investment portfolio, the Threefold mortgage broker team has extensive professional (and personal) experience. Between us we can help you structure your finances across multiple properties, and connect you with other industry professionals such as accountants and lawyers.

Whatever reason you’re moving house, stress less about property finance with Threefold.

We work with New Zealand's leading lenders to find the right mortgage for you

At their most competitive rates, without you needing to shop around.

Process For Moving Home

Step One
This is where we gather information about your financial position, your income, employment history, and any debts or assets you may have and find out where you are at financially and where you want to be.
Step Two
We reach out to various lenders on your behalf to obtain approval up to a certain sum of money, based on certain conditions. We will determine what you can borrow based on all the information you provided to us at the initial consultation meeting.
Step Three

Now the fun begins, you can spend your weekends looking for your new home in the knowledge that you have pre-approval and can confidently make an offer.

Step Four

Once your offer is accepted, we will discuss:

Loan Structure

What type of loan you want and how you want to pay it back. We can help talk through your options for loan type, fixed and/or floating interest rate and design your home loan with you.


Help you with ensuring you have all appropriate insurances in place to cover you and your new home.

Step Five

All mortgage documentation will be sent to your Solicitor for signing ready for your settlement date (purchase date).

Step Six
It's time to celebrate and move in. Congratulations - you've brought your new home!

Frequently Asked Questions

Why use a Mortgage Adviser?

There’s no fee for our mortgage advice to you or to have us arrange your mortgage for you. We are remunerated directly by the Lender.

How much can I borrow?

The amount you can borrow depends on how much you can afford to repay and how much a lender will lend on a property. Lenders have different methods they use to work this out. Our calculator on our website can give you a general idea of how much you can borrow (link to calculator). However, it’s better to have a chat with our Mortgage Advisers to get a more precise indication for your personal circumstances.

Can I use my KiwiSaver for my deposit?

Typically, only first home buyers who meet set eligibility criteria are able to withdraw some of their KiwiSaver funds to go towards a deposit. For more information, please contact us.

Why is it important to get a Home Loan Pre-Approval before I make an offer to purchase a home?

A Home Loan Pre-Approval is free, there’s no obligation to use it and it gives you an indication of how much you can borrow. This means you can house hunt or plan your build, knowing exactly what your price range is and make an offer with confidence. It also makes the process a lot smoother, faster and less stressful!

Why use a Mortgage Advisor?

Buying a home is a huge event in your life. It is one of the biggest financial investments you’ll make and can be a very stressful experience. We know how to make this process a lot easier and have loads of experience and advice, to help you with each step as well as avoiding pitfalls along the way. We know which lender will best suit your individual situation so you have a better chance of getting your loan approved. We help you get a great deal from your lender and ensure your loan is structured the best way for you.

What fees do you charge?

There’s no fee for our mortgage advice to you or to have us arrange your mortgage for you. We are remunerated directly by the Lender.

If I buy a new house, can I transfer the existing home loan?

Potentially yes. Talk with us and we’ll help you determine the best options for your situation. 

Mortgage Calculator

What our customers say:

Jonathan was incredibly helpful getting us into our first home. We couldn’t be happier!
Love the Threefold team, they helped us to refinance and made the whole thing really simple.
Great service. Joanna and the team went above and beyond.
Highly recommend Threefold. Friendly and reliable.