Property Investors

If you’re an active property investor or looking to build a portfolio, then the value of a quality mortgage broker can not be overstated.

Threefold combines decades of experience in New Zealand property, having worked across a range of investments in every type of market. Our brokers utilise a vast network to ensure our customers are always getting the most competitive rates and a service tailored to their portfolio and investment goals.

So whether you’re looking to expand your portfolio, diversify your assets or restructure your equity, talk to a Threefold mortgage broker today. Let us optimise your borrowing and help you to achieve your property goals.

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



Mortgage Process for Property Investors

Buying an investment property is confusing and stressful which is why you want experts on board to help you navigate your way through the process.



  • 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 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.

  • Step Three

    HOUSE HUNT/MAKING AN OFFER/ACCEPTANCE

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

  • Step Four

    SECOND CONSULTATION

    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.

    • Insurances

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

  • Step Five

    SIGN LOAN PAPERWORK

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

  • Step Six

    SETTLEMENT

    Celebrate and move in! Woohoo you’ve bought your first home!

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 shouldn't I just go the bank for my mortgage?
    • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

  • I am just starting out, am I too small fry for you?
    • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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