Insights

Expert Financial Advice

Insights and updates on financial advice, mortgage, insurance, 

and KiwiSaver.
Five Threefold Group team members smiling together at the KAN 2026 Conference Awards gala evening.
18 May 2026

Threefold Awarded Outstanding Advice Business

At the Kiwi Adviser Network (KAN) Industry Awards 2026 held on May 13, Threefold was recognised in *FOUR* different categories – a result we think reflects the caliber of people, advice, and processes across our business. The headline result was our team taking out the Outstanding Advice Business Recognition (5+ Advisers) award. The judges were […]

A joyful couple, Matt and Kristen, sit on a couch, celebrating and smiling while looking at a smartphone. The woman raises her arm in excitement as the man clenches his fist—both radiate congratulations and enthusiastic happiness.
05 Jan 2026

Congratulations to Matt & Kristen

Winners of our latest ‘get a review and win $5k’ competition We’re delighted to announce Matt and Kristen as the winners of our most recent ‘Win $5,000 Cash on Us’ competition. Matt and Kristen were automatically entered into the draw after they completed a review with our team. When we let them know they had […]

A smiling man with short hair sits on a white couch, talking on a smartphone about his insurance claim. His right arm is bandaged in a white cast, and he gives a thumbs-up with the injured hand. Curtains are visible in the background.
12 Jun 2025

Are You Missing Out on an Insurance Claim?

Did you know that many New Zealanders are entitled to claim under their insurance policies and don’t even realise it? One of the most commonly overlooked benefits is the Accidental Injury clause (also known as a Specific Injury benefit) found in many mortgage or income protection policies – or available as a stand-alone benefit.  Because […]

Luke Snedden, a man with short, spiked gray hair and blue eyes, smiles at the camera. He is wearing a dark crew-neck sweatshirt and is posed against a plain white background.
28 May 2025

Welcoming Back Luke Snedden

We’re excited to announce that Luke Snedden has returned to Threefold, joining us once again as a Financial Adviser in our mortgage team. With over a decade of experience in mortgage lending and financial advice, Luke brings a wealth of knowledge and a genuine passion for helping clients make smart, confident financial decisions. Luke originally […]

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 smiling couple takes a break, looking at a laptop together at a wooden table in a modern kitchen, surrounded by papers, a phone, and a coffee cup.
22 Oct 2024

Rates Are Dropping: Should I Break, Fix or Float?

Updated: October 23, 2024 Following the Reserve Bank of New Zealand’s announcement that it had dropped the OCR by 50-basis points to 4.75 percent on October 9, we have seen all the main banks drop their rates. ANZ led the way by dropping it’s one-year rate to 5.59 percent, with ASB and BNZ following suit. […]

Three people sitting at a table with papers and a laptop, engaged in a discussion. A woman on the right, smiling, points at a document that a man on the left is holding. It's an exciting moment for these first home buyers as they navigate their new journey together.
21 Aug 2024

Interest Rate Insights: August 21

On August 14, the Reserve Bank of New Zealand (RBNZ) cut the Official Cash Rate (OCR) by 0.25 percent to 5.5 percent. It was the first time the OCR had been cut since March 2020 With the RBNZ acknowledging that inflation now seems to be largely under control, the market and most economists are pricing […]

25 Jun 2024

FMA Calls on Kiwis To Check Their KiwiSaver Accounts

FMA Calls on Kiwis To Check Their KiwiSaver Accounts In a campaign announced on June 25, the Financial Markets Authority (FMA) and the Retirement Commission called on KiwiSaver members to actively review their annual statements to see if they are on track for their retirement savings goals. With individual KiwiSaver member statements being sent out […]

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