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Stress-Free Moving with Tailored Mortgage Solutions

Make your move to a new home seamless and stress-free with our expert advice.
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Expertise

Moving House? We’re here to help.

At Threefold, we understand that moving home is more than just a change of address – it’s a significant life event. Whether you're upgrading to your dream home, upsizing to accommodate a growing family or downsizing to enjoy financial freedom, our expert advisers are here to guide you through the process with exceptional advice and unwavering support.

With strong connections to all the main lenders, our team will help you secure the best rates and loan package, tailored to your needs. We will work diligently to ensure that you make informed choices that align with both your short and long-term goals.

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Here to Help Every Step of the Way

Ready to make your next move? Book a free consultation today and discover how our exceptional advice and customer care can help you achieve your dreams and move towards a future of financial freedom.
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Why Choose Threefold for Your Next Move?

Moving home can be overwhelming but when you talk to our team, you're in capable hands. Our friendly, professional advisers are here to answer all your questions, guide you through the process, and ensure you get the best possible rates and advice to help you achieve your financial aspirations.

Our team will help you by providing:

Our commitment to securing the best rates, cash contributions and terms means you can move with confidence, knowing you're getting the most value for your investment.

Moving home can be complex, but we’re here to help. From finding the best rates to navigating the intricacies of mortgage options, we ensure a smooth transition tailored to your unique needs.

Our advisers will talk to you about your financial goals before creating tailored recommendations and solutions that fit your financial situation and future aspirations.

Our clients are at the heart of everything we do. We pride ourselves on delivering successful client outcomes and maintaining the highest standards of customer care.

Strategies to help you achieve your long-term financial goals.

Who We Work With

We work with New Zealand's leading lenders to find the
right mortgage for you.
We leverage our relationships and knowledge to source the most competitive rates and packages for you, so you can be assured your receiving the best deal.

Moving Home – the Mortgage Process

Step 1

Planning & Preparation

Prepare for your mortgage journey by organising your finances. Think about how you can:

  • Pay down debt and manage expenses.
  • Gather financial documents.
Step 2

Initial Consultation / Discovery

Once you’re ready to start house hunting, meet with your dedicated mortgage adviser who will:

  • Discuss your financial situation and goals.
  • Help you to complete a detailed 'Fact Find' to gather necessary information to support your mortgage application.
  • Review your KiwiSaver and insurance policies to make sure these align with your homeownership plans.
Step 3

Application

Your adviser will assist in preparing and submitting your mortgage application making sure to:

  • Present your information in the best light to potential lenders.
  • Identify suitable lenders based on your needs and circumstances.

It normally takes between 5-10 business days for a bank to review and process an application. Your adviser will monitor your application and advise you as soon as there is an update.  
Step 4

Pre-approval

Your adviser will reach out to various lenders on your behalf to obtain approval up to a certain sum of money, based on certain conditions. Once pre-approval is received from a lender, your adviser will update you on:   

  • The amount of money you are able to borrow.
  • Any conditions attached to the offer.
Step 5

House Hunting / Making an Offer

Now the fun begins, you can spend your weekends looking for your new home in the knowledge that you have pre-approval and can confidently make an offer!
Step 6

Going Unconditional

Once your offer is accepted, your adviser will meet with you to:

  • Recommend an optimal loan structure, based on your financial circumstances and aspirations.
  • Check you have all necessary insurances organised.
  • Ensure all legal and financial aspects are in place with your solicitor.
Step 7

Settlement

All mortgage documentation will be sent to your Solicitor for signing ready for your settle date.

Your solicitor will complete the legal settlement process and the bank will transfer the funds.
Step 8

Celebrate & Move in!

Congratulations on buying your new home – it’s time to celebrate and prepare to move in!

Interest Rate Insights

Read our latest analysis of what's happening with mortgage interest rates.
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Our people.

Our track record speaks for itself; we deliver results and successful outcomes to our clients. Chat with our team today.
View all people
Hi Michelle. It’s been a big week. Just wanted to say thanks again for everything. You made the process super easy for us! We love the house!
Lily
We have been customers of Threefold for five years. Jonathan and his team are extremely knowledgeable and have helped us navigate the challenges associated with purchasing our first home and navigating re-financing. They provide a one-stop shop for all of the services you need, which makes life so much easier! We can't thank them enough, and we would highly recommend their services.
Sarah
Threefold are a great team to work with. I’d recommend to anyone looking to get on the property ladder as well as insurance and KiwiSaver advice
Warwick
Tania is amazing to work with. Her work is fast and very professional, she is very helpful and honest. I highly recommend her. Thank you Tania for everything.
Maggie
I want to thank Richard for assisting with making the impossible, possible. We are thrilled with the result and owe our thanks to him for persevering in securing our lending when the going got rough. We will definitely be back again.
Persephone
Great service from Threefold, David provides us great options and advice around all financial matters and in particular setting up mortgages that work for us now and in the future. Also well supported by Lance for insurance who always provides balanced advice and the best options to meet our needs. Thanks team!
Jonathan
I've had the pleasure of collaborating with Threefold on numerous occasions, and I must say, their service has always been exceptional! Whether I've partnered with Jonathan in the past or more recently with Richard, the level of service provided has remained consistently excellent. I'm more than happy to recommend them!
Brandon
Working with Richard to buy our first home was a breeze. He was very informative and broke down information into simple terms when needed. The process of buying our first home was quite daunting but Richard made us feel at ease. Overall Richard and the team at Threefold provide an amazing service. Would definitely recommend them!
Maia
David Gribble from Threefold was extremely helpful, very approachable and invested in our needs and timeframes. He explained each step clearly and we are happy with the outcome.
Laura
We’ve had the pleasure of working with Lance over the past month while buying our first home. Lance could not be more helpful. He sorted things out incredibly efficiently and answered all of our (many) questions. He’s also a lovely person to work with. We’re so relieved we were referred to him and will continue to refer others on. Thanks so much.
Zoe
A huge thanks to Lance and the team at threefold for all of their support over the past couple of months and helping us with purchasing our first home! Lance’s support was awesome, and much appreciated!
Mitchell
Awesome team to deal with highly recommend.
Tom & Jacqui
Excellent support from Threefold for both our mortgage and insurance requirements when purchasing our first home. Craig was very organised and made the process seamless.
Kayla-Anne
Tania and the team at Threefold took us through a tricky top up and made it easy. They handled all the heavy lifting and left us with a straightforward path, offering friendly sound advice, guidance and support every step of the way. I highly recommend Tania and the Threefold team.
Peter
We’ve been dealing with Threefold since 2019, setting up our first home mortgage with us and more recently, with Bruce at Threefold refixing and lending. Was a pleasure dealing with all at Threefold and can’t recommend them enough.
Alex
We owe absolutely everything to Tania and her team. Without her patience, knowledge and experience we would not have been successful in purchasing our first home. Nothing was ever to hard or impossible she made everything extremely easy to understand.
Sarah
We had an excellent experience working with Richard Harwood as our mortgage broker. From start to finish, he was incredibly attentive, ensuring we were informed and comfortable with each step of the process. Richard was always available to answer our questions and he made a potentially stressful process feel smooth and straightforward. I highly recommend Richard.
Mike
Tania and the team at Threefold have been so amazing. I would never have been able to buy my first home without Tania’s guidance and advice. She explained everything very clearly and always replied to all my questions super quickly. I highly recommend her as a mortgage broker.
Tea
Michelle Wilson provided us with outstanding service as we were re- fixing our mortgage . Her knowledge and communication were exceptional. She guided us through several financial options till we reached a decision that worked best. My husband and I are very grateful for her all her hard and detailed work.
Gabrielle
"Erica is a Star! Jonathan and his team ALWAYS exceed my expectations. I can’t recommend Threefold enough."
Candace
I really appreciate your professionalism and advice during this process… it’s been absolutely invaluable and I couldn’t have done it without your help.
Jeanie
No one has come to bat for us the way you have. Your time and efforts are much appreciated. Good service is difficult to find these days; thanks again Carl.
Darryl
I have wanted to send you this email for a while to offer my thanks for your support and willingness to offer your opinion and advice. Bic and I have often said that we wish we had engaged with you and Threefold years earlier.
Brad & Bic
Very much appreciate your help and honest guidance. I found our discussion this morning very useful.
Matt
I just want to say a massive thank you for all of your help over the last few weeks. You've gone above and beyond and it's really appreciated!
Ally
We highly recommend the Threefold team. Friendly and reliable.
Elliot
I love the Threefold team. They helped us to refinance and made the whole thing really simple.
Kate & Mark
Jonathan was incredibly helpful getting us into our first home. We couldn’t be happier!
Chris
Bruce was an absolute pleasure to deal with. From the very first meeting, it was clear that I was in expert hands. He took the time to thoroughly understand my financial situation and guided me through every step of the mortgage process with patience and clarity. No question was too small, I always felt supported, and he made sure to keep me updated throughout the process.
Ali
Without Jonathan's help, I think I would probably still be working 9-5 and struggling in the rat race. Thanks Jonathan, you're a real credit to the business.
Ben
"Wow, honestly can’t explain how much we appreciate the work done on this, sounds like it was a chore and a half! Thank you for persisting and sorting this for us, it will help relieve that bit of pressure for us the next few weeks.
Heather
What will repayments be?

Mortgage Calculator

How much will you pay in interest?

How you structure your loan has a major impact on how quickly you can pay down debt and how much interest you will pay over the lifetime of your loan.
To understand how to optimise your lending, chat with our team today.
Book a Free Consultation

Start Your Next Chapter

Book a complimentary consultation with one of our Threefold advisers and learn how our exceptional advice and support can make your move smooth and stress-free. We're here to help you every step of the way.
Book now
Learn more
Contact us

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Level 1, B:Hive Building,
72 Taharoto Road, Takapuna, Auckland, 0622
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