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 […]
Buying a home is a big step, and knowing how much you can borrow is essential to planning your homeownership journey. While it might seem like a purely financial decision, there are many factors—like market trends and new rules—that can impact how much a bank is willing to lend. Understanding these factors can make it […]
Understanding the Changes to Debt to Income Ratios A debt to income (DTI) ratio is a metric used by lenders to assess a borrower’s ability to manage monthly debt payments and repay a mortgage. It is commonly used in many overseas markets, but it a new metric in New Zealand. The DTI is calculated by […]
Refinancing Considerations “If you fail to plan, you are planning to fail!” Picture this: you’re lounging on your deck soaking in those last few rays of autumnal sunshine, sipping a freshly brewed coffee and secure in the knowing that your mortgage is working for you, not against you. However, with many Kiwi’s mortgages coming up […]