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Financial Security with Income and Mortgage Protection Insurance.

Expert advice on securing your income and mortgage payments against unforeseen events.
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Expertise

Safeguard Your Income and Home

At Threefold, we understand how vital it is to protect your income and home from unexpected disruptions. Our team of independent advisers provides expert, personalised advice on whether an Income Protection or Mortgage Protection policy (or a combination of both) is right for you.

Income Protection insurance pays out a benefit in the event you are unable to work due to illness or injury. It offers a percentage of your income to cover expenses during illness or injury, but payments are offset against any other form of benefit (eg. ACC) or income (eg. rent, dividends etc) you may receive.

Mortgage Protection Insurance is designed to cover your mortgage repayments if you become unable to work due to illness or injury. It will provide an agreed value based on your rent or mortgage at the time you take out the policy. It is not offset against other forms of benefits or income in the instance your ability to work is impacted by illness or accident, ensuring that your mortgage or rent payments are covered and your lifestyle is protected from financial strain.

The critical thing to note is that there is no one-size fits all in terms of what policy is best. Our advisers will review your individual circumstances and help you to understand the nuances of the policies you are considering, so that when the unexpected happens, you have the right cover in place to preserve your lifestyle.

Protect Your Income and Mortgage

Schedule a free consultation to get independent advice on securing your income, mortgage and health.
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Welcome to Threefold.

Expert Advice Personalised to Your Circumstances

When it comes to choosing the right protection policies, the advice you receive can make all the difference. At Threefold, we are committed to providing you with expert, independent advice and helping you understand the nuances of your personal insurance policies so that you have the right cover in place at the right time.

Our advisers offer independent, unbiased advice, ensuring that you receive the best recommendations based on your unique circumstances. We work for you, not the insurance providers, so you can trust that our guidance is in your best interest.

Many personal insurance policies are interrelated or linked, and it’s essential to have an adviser who can explain how these policies work together. Our team helps you navigate the intricacies of each policy, ensuring you fully understand the details. We will explain how your policies can complement each other to provide robust, comprehensive coverage. We help you see the bigger picture and how different policies can work together to offer maximum protection.

From your first consultation to claims management, we provide support and will advocate for you throughout the entire process. Our commitment to a long-term relationship means we are always here to ensure your insurance continues to meet your evolving needs

Who We Work With

We work with New Zealand's leading personal insurers to find the right policies for you. 
We leverage our relationships and knowledge to source the most comprehensive cover and competitive rates, so you can rest assured you have the cover you need when the unexpected happens.

Our people.

Choosing Threefold means investing in more than just insurance; it means partnering with a team that genuinely cares about your financial well-being and provides the expert advice and support you need for peace of mind. Meet our expert advisers:
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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

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