Richard brings mor than 10 years of experience across the banking and financial services sector. His six years working within banking gave him a thorough grounding in how lenders assess and structure lending, credit policy, and the mechanics of residential and commercial finance. He has spent the past four years as a dedicated mortgage adviser at Threefold, applying that institutional knowledge directly on behalf of clients.

Richard has lived and worked overseas, an experience that has broadened his perspective on financial planning and given him an understanding of the specific lending considerations facing returning New Zealanders and internationally mobile clients, including those managing overseas assets, income, or superannuation.

As Head of Mortgages at Threefold, Richard leads the mortgage advisory team and oversees a substantial client portfolio spanning residential, investment, and commercial lending across New Zealand.

Richard is well suited to working with:

• First home buyers who want a clear, guided experience from application through to settlement
• Homeowners looking to refinance, restructure or make the most of their existing lending
• Property investors seeking to grow portfolios or improve their lending arrangements
• Business owners with commercial lending needs or complex income structures
• Returning New Zealanders or internationally mobile clients with overseas financial considerations 

Advice is tailored to each client’s individual circumstances, objectives and financial position.

Richard Harwood is a financial adviser operating under FSP1002730. Financial advice is provided in accordance with New Zealand financial services regulation and professional standards.