Luke Snedden is a mortgage adviser at Threefold with 21 years of experience in financial services and mortgage lending. He brings a strategic, long-term perspective to mortgage advice, with a specialist focus on clients who are thinking carefully about how their borrowing fits within their broader financial picture, whether that means planning for a debt-free retirement, structuring investment lending effectively, or optimising an existing property portfolio.
Having initially co-founded Threefold in 2014 with Jonathan Michell, he left the business to pursue other business opportunities. After several years building and running a successful business with his wife, Luke returned to mortgage advising in 2025 with a renewed focus on working directly with clients. That entrepreneurial experience adds a grounded commercial perspective to his work, particularly relevant for clients who are business owners or self-employed navigating the intersection of personal and business finances.
Luke brings more than two-decades of experience in financial services and mortgage lending to his work at Threefold. His career has spanned mortgage advising and financial planning across multiple market environments, giving him a well-rounded understanding of how lending decisions interact with broader financial goals, particularly for clients at pivotal stages of their wealth journey.
Prior to returning to mortgage advising, Luke spent several years building and growing a successful business with his wife. That experience of running a business – managing cashflow, navigating financial decisions under uncertainty, and planning for long-term sustainability – adds a practical commercial dimension to his advisory work that resonates with business owner and self-employed clients.
Luke’s return to mortgage advising reflects his enthusiasm for working directly with clients and helping them make well-structured, confident decisions about their borrowing at every stage of their financial lives.
Luke is well suited to working with:
Advice is tailored to each client’s individual circumstances, objectives and financial position.
Luke Snedden is a financial adviser operating under FSP1009818. Financial advice is provided in accordance with New Zealand financial services regulation and professional standards.
