Mortgages. Insurance. KiwiSaver.

Unlock your financial potential with Threefold.

We help you achieve your financial goals through personalised advice and unparalleled client service.
Expertise

Meet Our Team

We help you achieve your financial goals through personalised advice and unparalleled client service.

Meet Jonathan Michell

Director & Financial Adviser
Welcome to Threefold.

Expert financial advice and solutions for your future.

At Threefold, we offer a comprehensive range of services to help you achieve your financial goals. Our experienced advisors provide personalized mortgage advice, fire & general insurance, life insurance, and KiwiSaver advice. We understand that each client has unique needs and circumstances, and we work closely with you to develop tailored solutions that meet your specific requirements. With our exceptional team and unparalleled client experiences, you can trust us to provide the guidance and support you need to secure your financial future.
Mortgages
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Fire & General Insurance
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Life Insurance
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KiwiSaver
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Welcome to Threefold.

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Sub heading

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Sub heading

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Expertise

Understanding Your Situation and Goals for Success

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Personalized Approach

We tailor our advice to your specific needs, helping you find the best mortgage options.

Expert Guidance

Our team will provide you with expert guidance on raising a deposit and winning over the bank.

Choose Threefold for expert financial advice and a
client-centric approach.

At Threefold, we pride ourselves on our expertise and commitment to our clients. With our comprehensive financial reviews, specialist insurance advice, and KiwiSaver guidance, we help you achieve your financial goals.
  • Expertise that sets us apart from the competition.
  • Client-centric approach for personalized financial solutions.
  • Unparalleled service for your financial success.

One hour free consultation.

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Unlock your financial potential with Threefold.

  • Unique selling proposition
  • Unique selling proposition
  • Unique selling proposition

Discover the power of financial reviews with our expert advisors.

At Threefold, we offer comprehensive financial reviews to help you achieve your goals. Our expert advisors go beyond mortgage advice, providing specialist insurance and KiwiSaver advice as well. With our exceptional team and unparalleled client services, we are here to guide your towards financial success.

Plan for success

%

Secure your future

$ M+

Achieve financial freedom.

+

5-star reviews

Our people.

Threefold brings together an experienced team of specialist mortgages, insurance and KiwiSaver advisers. We provide exemplary service and outstanding results. Each member of the team has been handpicked for their shared values and uncompromising commitment to delivering optimal outcomes for clients.
Jonathan was incredibly helpful getting us into
our first home. We couldn’t be happier!
John
XYZ Corporation
Jonathan was incredibly helpful getting us into
our first home. We couldn’t be happier!
John
XYZ Corporation
Jonathan was incredibly helpful getting us into
our first home. We couldn’t be happier!
John
XYZ Corporation

Awards and Recognitions

Discover the industry accolades that have recognized Threefold's exceptional financial advisory services.
Contact us

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Email
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Office
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Level 1, B:Hive Building,
72 Taharoto Road, Takapuna, Auckland, 0622
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Mon – Fri from 9am to 5pm
(09) 418 0773
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Trusted by industry-leading companies worldwide

Welcome to Threefold.

Expert financial advice and
solutions for your future.

At Threefold, we offer a comprehensive range of services to help you achieve your financial goals. Our experienced advisors provide personalised mortgage advice, fire & general insurance, life insurance and KiwiSaver advice.

Mortgages

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Fire & General Insurance

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Life Insurance

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KiwiSaver

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Welcome to Threefold.

Latest news

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Questions

Find answers to common questions about
mortgage advice and our services.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.

Yes, you can try us for free for 30 days. If you want, we’ll provide you with a free, personalized 30-minute onboarding call to get you up and running as soon as possible.
01 Jan 2025

Kick-Start the New Year with Financial and Lifestyle Habits You’ll Actually Stick To

There’s something magical about the start of a new year. It’s like a giant reset button – a chance to reflect, set new goals, and feel optimistic about the months ahead. But while resolutions often start strong, they can quickly fizzle out if they’re too big or too boring. So, let’s talk about kick-starting 2025 […]

Two women, one with long brown hair and the other with short blonde hair, sit on a gray couch in a living room, sharing laughter and advice on good savings habits. The background showcases shelves adorned with plants and home decor.
29 Dec 2024

Advice From Our Mothers: Building Good Savings Habits

Mothers always seem to know best. Whether it’s how to fold fitted sheets (still a mystery to some of us) or the perfect way to make a cuppa, their wisdom is often timeless. When it comes to managing money and building good savings habits, the advice from our mums can be surprisingly on point, which […]

27 Dec 2024

Meet Julie Bernicoff: Threefold’s Smooth Operator (and Resident Travel Enthusiast)

If there’s someone who keeps the wheels turning behind the scenes at Threefold, it’s Julie Bernicoff – our brilliant Adviser Support Team Manager and the ultimate Smooth Operator. With a sharp eye for detail, a knack for organisation, and a dash of Julie magic, she ensures our advisers have everything they need to deliver top-notch […]

A man and a woman painting the walls of a bright room as part of their small business expansion. The woman, on a ladder, reaches the upper areas while the man handles a lower section. With large windows and protective plastic covering the floor, their growth strategy is in full swing.
20 Dec 2024

Start Small, Grow Big

Making Property Investment Work for You Investing in property is often seen as a game for the wealthy, but it doesn’t have to be. With interest rates trending down and a stable property market, now is a great time to consider unlocking equity in your existing property and investing in your future. In New Zealand’s […]

A woman hands a set of keys to a smiling couple of first-home buyers standing in a doorway. The couple appears happy and excited, possibly about their new home. The door is yellow with a decorative glass window, symbolizing their fresh start and the importance of avoiding mortgage mistakes.
16 Dec 2024

10 Common Mortgage Mistakes First-Home Buyers Make – And How to Avoid Them

With housing stock levels up and interest rates falling, now just might be the time to take that leap and get yourself onto the property ladder.  Buying your first home is an exciting milestone but navigating the mortgage process can be complex. To ensure you make informed decisions, it’s essential to understand common pitfalls and, […]

A hand proudly holds a fan of colorful New Zealand banknotes, ranging from the 5 to the 100-dollar denominations, against a suburban house and blue sky. These vibrant notes symbolize economic stability as influenced by the Reserve Bank's careful adjustments to the Official Cash Rate.
27 Nov 2024

Reserve Bank Cuts Official Cash Rate by 50 Basis Points

Updated 4 December 2024 The Reserve Bank of New Zealand (RBNZ) on 27 November reduced the Official Cash Rate (OCR) by 50 basis points, bringing it down to 4.25 percent. Economists and market commentators suggest that this significant cut reflects the central bank’s strong commitment to stimulating the economy amidst ongoing challenges. With the drop […]

18 Nov 2024

Introducing Mike Allen

Threefold’s New Chief Operating Officer We’re excited to share some fantastic news: Mike Allen has joined the Threefold team as our new Chief Operating Officer! With more than 20 years of experience in the financial services industry, Mike’s appointment is a win not just for our business, but also for you – our valued clients. […]

Discover

Explore Our Range of Services and Solutions

At Threefold, we offer comprehensive financial reviews to help you achieve your goals. Our expert advisors go beyond mortgage advice, providing specialist insurance and KiwiSaver advice as well. With our exceptional team and unparalleled client services, we are here to guide your towards financial success.

Meet Our Experienced and Knowledgeable Team

Our team of professionals is dedicated to providing unparalleled client experiences and helping you make informed financial decisions.

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Table Of Contents

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Eget quis mi enim, leo lacinia pharetra, semper. Eget in volutpat mollis at volutpat lectus velit, sed auctor. Porttitor fames arcu quis fusce augue enim. Quis at habitant diam at. Suscipit tristique risus, at donec. In turpis vel et quam imperdiet. Ipsum molestie aliquet sodales id est ac volutpat.

What information do we collect?

Dolor enim eu tortor urna sed duis nulla. Aliquam vestibulum, nulla odio nisl vitae. In aliquet pellentesque aenean hac vestibulum turpis mi bibendum diam. Tempor integer aliquam in vitae malesuada fringilla.
Elit nisi in eleifend sed nisi. Pulvinar at orci, proin imperdiet commodo consectetur convallis risus. Sed condimentum enim dignissim adipiscing faucibus consequat, urna. Viverra purus et erat auctor aliquam. Risus, volutpat vulputate posuere purus sit congue convallis aliquet. Arcu id augue ut feugiat donec porttitor neque. Mauris, neque ultricies eu vestibulum, bibendum quam lorem id. Dolor lacus, eget nunc lectus in tellus, pharetra, porttitor.
Ipsum sit mattis nulla quam nulla. Gravida id gravida ac enim mauris id. Non pellentesque congue eget consectetur turpis. Sapien, dictum molestie sem tempor. Diam elit, orci, tincidunt aenean tempus. Quis velit eget ut tortor tellus. Sed vel, congue felis elit erat nam nibh orci.

Do we use cookies and other tracking technologies?

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How long do we keep your information?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How do we keep your information safe?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

What are your privacy rights?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How can you contact us about this policy?

Sagittis et eu at elementum, quis in. Proin praesent volutpat egestas sociis sit lorem nunc nunc sit. Eget diam curabitur mi ac. Auctor rutrum lacus malesuada massa ornare et. Vulputate consectetur ac ultrices at diam dui eget fringilla tincidunt. Arcu sit dignissim massa erat cursus vulputate gravida id. Sed quis auctor vulputate hac elementum gravida cursus dis.
Lectus id duis vitae porttitor enim gravida morbi.
Eu turpis posuere semper feugiat volutpat elit, ultrices suspendisse. Auctor vel in vitae placerat.
Suspendisse maecenas ac donec scelerisque diam sed est duis purus.

Mi tincidunt elit, id quisque ligula ac diam, amet. Vel etiam suspendisse morbi eleifend faucibus eget vestibulum felis. Dictum quis montes, sit sit. Tellus aliquam enim urna, etiam. Mauris posuere vulputate arcu amet, vitae nisi, tellus tincidunt. At feugiat sapien varius id.

Eget quis mi enim, leo lacinia pharetra, semper. Eget in volutpat mollis at volutpat lectus velit, sed auctor. Porttitor fames arcu quis fusce augue enim. Quis at habitant diam at. Suscipit tristique risus, at donec. In turpis vel et quam imperdiet. Ipsum molestie aliquet sodales id est ac volutpat.

What information do we collect?

Dolor enim eu tortor urna sed duis nulla. Aliquam vestibulum, nulla odio nisl vitae. In aliquet pellentesque aenean hac vestibulum turpis mi bibendum diam. Tempor integer aliquam in vitae malesuada fringilla.
Elit nisi in eleifend sed nisi. Pulvinar at orci, proin imperdiet commodo consectetur convallis risus. Sed condimentum enim dignissim adipiscing faucibus consequat, urna. Viverra purus et erat auctor aliquam. Risus, volutpat vulputate posuere purus sit congue convallis aliquet. Arcu id augue ut feugiat donec porttitor neque. Mauris, neque ultricies eu vestibulum, bibendum quam lorem id. Dolor lacus, eget nunc lectus in tellus, pharetra, porttitor.
Ipsum sit mattis nulla quam nulla. Gravida id gravida ac enim mauris id. Non pellentesque congue eget consectetur turpis. Sapien, dictum molestie sem tempor. Diam elit, orci, tincidunt aenean tempus. Quis velit eget ut tortor tellus. Sed vel, congue felis elit erat nam nibh orci.

Do we use cookies and other tracking technologies?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How long do we keep your information?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How do we keep your information safe?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

What are your privacy rights?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How can you contact us about this policy?

Sagittis et eu at elementum, quis in. Proin praesent volutpat egestas sociis sit lorem nunc nunc sit. Eget diam curabitur mi ac. Auctor rutrum lacus malesuada massa ornare et. Vulputate consectetur ac ultrices at diam dui eget fringilla tincidunt. Arcu sit dignissim massa erat cursus vulputate gravida id. Sed quis auctor vulputate hac elementum gravida cursus dis.
Lectus id duis vitae porttitor enim gravida morbi.
Eu turpis posuere semper feugiat volutpat elit, ultrices suspendisse. Auctor vel in vitae placerat.
Suspendisse maecenas ac donec scelerisque diam sed est duis purus.

Mi tincidunt elit, id quisque ligula ac diam, amet. Vel etiam suspendisse morbi eleifend faucibus eget vestibulum felis. Dictum quis montes, sit sit. Tellus aliquam enim urna, etiam. Mauris posuere vulputate arcu amet, vitae nisi, tellus tincidunt. At feugiat sapien varius id.

Eget quis mi enim, leo lacinia pharetra, semper. Eget in volutpat mollis at volutpat lectus velit, sed auctor. Porttitor fames arcu quis fusce augue enim. Quis at habitant diam at. Suscipit tristique risus, at donec. In turpis vel et quam imperdiet. Ipsum molestie aliquet sodales id est ac volutpat.

 

“In a world older and more complete than ours they move finished and complete, gifted with extensions of the senses we have lost or never attained, living by voices we shall never hear.”

- Olivia Rhye, Product Designer

[caption id="attachment_482" align="aligncenter" width="720"] Image courtesy of Michael Burrows via Pexel[/caption]

What information do we collect?

Dolor enim eu tortor urna sed duis nulla. Aliquam vestibulum, nulla odio nisl vitae. In aliquet pellentesque aenean hac vestibulum turpis mi bibendum diam. Tempor integer aliquam in vitae malesuada fringilla.
Elit nisi in eleifend sed nisi. Pulvinar at orci, proin imperdiet commodo consectetur convallis risus. Sed condimentum enim dignissim adipiscing faucibus consequat, urna. Viverra purus et erat auctor aliquam. Risus, volutpat vulputate posuere purus sit congue convallis aliquet. Arcu id augue ut feugiat donec porttitor neque. Mauris, neque ultricies eu vestibulum, bibendum quam lorem id. Dolor lacus, eget nunc lectus in tellus, pharetra, porttitor.
Ipsum sit mattis nulla quam nulla. Gravida id gravida ac enim mauris id. Non pellentesque congue eget consectetur turpis. Sapien, dictum molestie sem tempor. Diam elit, orci, tincidunt aenean tempus. Quis velit eget ut tortor tellus. Sed vel, congue felis elit erat nam nibh orci.

Do we use cookies and other tracking technologies?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How long do we keep your information?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How do we keep your information safe?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

What are your privacy rights?

Pharetra morbi libero id aliquam elit massa integer tellus. Quis felis aliquam ullamcorper porttitor. Pulvinar ullamcorper sit dictumst ut eget a, elementum eu. Maecenas est morbi mattis id in ac pellentesque ac.

How can you contact us about this policy?

Sagittis et eu at elementum, quis in. Proin praesent volutpat egestas sociis sit lorem nunc nunc sit. Eget diam curabitur mi ac. Auctor rutrum lacus malesuada massa ornare et. Vulputate consectetur ac ultrices at diam dui eget fringilla tincidunt. Arcu sit dignissim massa erat cursus vulputate gravida id. Sed quis auctor vulputate hac elementum gravida cursus dis.
Lectus id duis vitae porttitor enim gravida morbi.
Eu turpis posuere semper feugiat volutpat elit, ultrices suspendisse. Auctor vel in vitae placerat.
Suspendisse maecenas ac donec scelerisque diam sed est duis purus.

“In a world older and more complete than ours they move finished and complete, gifted with extensions of the senses we have lost or never attained, living by voices we shall never hear.”

— Olivia Rhye, Product Designer

Conclusion

Morbi sed imperdiet in ipsum, adipiscing elit dui lectus. Tellus id scelerisque est ultricies ultricies. Duis est sit sed leo nisl, blandit elit sagittis. Quisque tristique consequat quam sed. Nisl at scelerisque amet nulla purus habitasse.

Nunc sed faucibus bibendum feugiat sed interdum. Ipsum egestas condimentum mi massa. In tincidunt pharetra consectetur sed duis facilisis metus. Etiam egestas in nec sed et. Quis lobortis at sit dictum eget nibh tortor commodo cursus.

Odio felis sagittis, morbi feugiat tortor vitae feugiat fusce aliquet. Nam elementum urna nisi aliquet erat dolor enim. Ornare id morbi eget ipsum. Aliquam senectus neque ut id eget consectetur dictum. Donec posuere pharetra odio consequat scelerisque et, nunc tortor.

Image courtesy of Fauxels via Pexels

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