With a decade of experience as a Chartered Accountant in New Zealand and a background as a leading mortgage adviser in the UK, Bruce brings a unique blend of financial expertise and a passion for helping clients achieve their homeownership dreams. His extensive accounting skills, combined with his mortgage experience, provide a thorough and insightful approach to financial matters.
Bruce is focused on clear and straightforward communication with his clients, striving to demystify complex financial concepts and create a comfortable environment for open discussion and informed decision-making. Tailoring his service to each client’s unique needs and goals, he focuses on more than just securing a mortgage – he aims to help them forge a path toward personal and financial success.
What drives Bruce is the opportunity to make a positive impact on his clients’ lives. He finds great reward in guiding clients through their individual financial journeys and witnessing tangible results.
Outside of work, Bruce maintains his balance through his passion for open ocean paddling and road cycling, which help him maintain his energy in his professional role.

Bruce's career path is unusual in the mortgage advisory space and represents a genuine advantage for his clients. Beginning his career as a mortgage adviser in the United Kingdom, Bruce then moved to New Zealand where he retrained and spent nine years as a Chartered Accountant, developing a deep command of financial statements, cashflow analysis, tax structures, and the financial decision-making that underlies property ownership. He brought that expertise back to mortgage advising when he joined Threefold, where he has been working with clients for the past two and a half years.
This combination – accounting rigour, international lending experience, and New Zealand market knowledge – means Bruce approaches mortgage advice with a level of financial literacy that goes well beyond the transactional. He is well placed to work with clients whose situations involve complexity around income, structures, or financial planning, and to communicate that complexity in terms lenders understand.
Bruce is well suited to working with:
Advice is tailored to each client’s individual circumstances, objectives and financial position.
Bruce Sayer is a financial adviser operating under FSP1006397. Financial advice is provided in accordance with New Zealand financial services regulation and professional standards.