Moving Home

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.

 

Our job is to find the right mortgage for you! To do that, we work with and consider...



Process For Moving Home



  • Step One

    INITIAL CONSULTATION/DISCOVERY MEETING

    This is where we gather information about you and your insurance needs to enable us to recommend the best cover to meet your individual needs.

  • Step One

    INITIAL CONSULTATION/DISCOVERY MEETING

    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 One

    INITIAL CONSULTATION/DISCOVERY MEETING

    This is where we gather information about you and your retirement savings needs to enable us to recommend the best provider and investment strategy to meet your needs and stage of life.

  • Step Two

    PRE-APPROVAL

    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.

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.

Frequently Asked Questions



  • Why use a Mortgage Adviser?
    • • One application and the ability to deal with more than one lender
      • Help you save money on your home loan by ensuring it is structured correctly
      • We negotiate your loan package with the lenders on your behalf
      • We can help you when your life circumstances change
      • We can help you work out how to pay your loan off faster and save money on interest payments
      • We have strong relationships with the lenders which helps us get applications fast-tracked and prioritised
      • Let’s face it buying a home is a stressful process, we’re here to help make it easier (and it does not cost you anything)

  • 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.

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