In New Zealand a winning bid at a property auction creates an unconditional, binding contract the moment the hammer falls. If you are looking to buy at auction, here’s what to have in place.

AI has its place. It is a useful research assistant but shouldn’t be used as a decision maker – especially when it comes to financial advice.

Thinking about upsizing but unsure whether now is the right time? In a flat or softly declining property market, the maths can actually work in an upsizer’s favour – because the dollar saving on a more expensive purchase is typically larger than the reduction in your sale price. Threefold breaks down how the numbers work in New Zealand’s current market, what buyers need to know about negotiating power and mortgage readiness, and why being financially prepared matters more than timing the market perfectly.

Most people with insurance assume they’d know if they had a claim to make. This article is about personal insurance reviews: why they matter, what they uncover, and why two of our clients received payouts they didn’t know they were entitled to until they sat down with an adviser.

Most people think they need 20% to buy a home in New Zealand. The reality is more flexible. We explain what you really need including the 20% rule, using KiwiSaver to buy a home, LVR, and your options as a first home buyer.

“How much can I borrow?” is often the first question people ask when they start thinking about buying or upgrading their home, or investing in property. It sounds simple, but the answer is rarely just a number on a calculator. In reality, your borrowing capacity is shaped by a mix of income, expenses, your credit […]

Please note this article appeared in our January 2026 newsletter. If you are interested in our current view on what is happening with interest rates, please click here. There is no shortage of opinions about where the housing market and interest rates are heading next. Over the summer break, we have consolidated our own thinking […]

Unsure whether to refix or refinance your mortgage? Learn the difference, when to act, and how timing can save thousands. Understanding Refixing vs Refinancing Many homeowners use refix and refinance interchangeably, but they mean very different things and the choice can make a big difference to your long-term costs. Refixing means locking in a new […]

With ANZ and TSB changing their policies to offer up to 10 years of interest-only repayments, many property investors are rethinking their loan strategy. Here’s how interest-only lending works and why it could strengthen your long-term investment plan. What is an interest-only loan? An interest-only loan means your repayments cover only the interest on your […]