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 […]
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 […]
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 […]
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 […]
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, […]
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 […]
Unlock the Power of Your Home to Invest in More Property As house prices continue to appreciate, your property may offer you more than a place to live. Instead with the equity you’ve built up over the years, you may have a powerful tool for wealth creation at your fingertips. By leveraging the equity in […]
Applying for a mortgage can feel overwhelming, but with a bit of planning and preparation, you can present a strong case to lenders. A “perfect” loan application demonstrates not only your income but also responsible financial management and the ability to meet repayments comfortably. Whether you are applying for a mortgage for your first home, […]
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. […]
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 last week by dropping it’s one-year rate to 5.59 percent, and this week we have seen ASB and […]
