Jonathan Michell founded Threefold in 2014. He is a senior mortgage adviser and Director with more than 25 years of experience in residential and investment property lending in New Zealand. He specialises in complex mortgage structuring, investment property finance, and lending strategies for business owners, high income professionals and property investors.
Jonathan’s work focuses on helping clients structure borrowing in a way that supports long term wealth creation rather than simply securing a loan. His advice considers lending structure, cashflow flexibility and portfolio growth so that clients can make confident decisions about their property investments and long term financial position.

Over his career, Jonathan has advised clients through multiple property cycles, significant regulatory change, and a wide range of personal financial circumstances, building a depth of market knowledge that is difficult to replicate.
His advice is informed not only by professional experience but by his own background as a property investor, giving him a grounded and practical perspective on the decisions his clients face. He has navigated the same lending decisions his clients face, which shapes how he approaches structuring conversations.
He is direct, thorough, and focused on understanding each client's full financial picture before making recommendations. Where specialist input is required (including from tax advisers, accountants, or solicitors) Jonathan ensures clients are connected with the right professionals.
Jonathan typically works with:
Advice is tailored to each client’s individual circumstances, objectives and financial position.
Jonathan Michell is a registered financial adviser operating under FSP35581. Financial advice is provided in accordance with New Zealand financial services regulation.