Jonathan Michell

Jonathan Michell has over 12 years’ experience in the mortgage market – with specialist knowledge in tax and property investment. Jonathan takes a big picture point of view; surveying the markets to structure the deal that will give you the best possible return, now as well as later on. He says, “our clients want to use money smartly… whether they are multi-millionaires or securing their first home loan.”Jonathan’s experience in tax and property is a huge asset for clients. He is a successful property investor himself and he is passionate about seeing his clients succeed. When he’s not in the office, you’ll see him spending quality time with his young family and catching up on current events.

Digby Butcher

Digby does everything to understand his clients’ needs to ensure great end results. With strong technical and negotiation skills Digby is able to confidently source great outcomes for his mortgage clients.

Digby is passionate about property and helping his clients get ahead financially. This ranges from helping first home buyers into property, a review of their current mortgage structure, showing them how to pay off debt & later on helping them build up a suitable rental portfolio to eventually provide for them in their retirement. Digby’s dedicated approach to financial advice exceed your expectations.

When he’s not taking care of customers, liaising with banks and negotiating great mortgage deals, Digby is a man of action. Highlights of his sporting life include playing Club rugby and a snowboarding season in Canada.

Tania Teihotua-Gates

A highly experienced Threefold mortgage adviser, Tania has been working in the financial sector for 16 years. She holds a Bachelor of Business Studies and speaks fluent French, because she grew up in Tahiti. Number crunching comes naturally to Tania, who admits to loving complex home loan challenges.

“No deal is the same and every customer has different needs, so my work is always interesting. I particularly like sorting out the detailed requirements that come with some property finance projects”, says Tania.

Having lived in Tahiti and Samoa, Tania enjoys spending time at the beach with her husband and three children. As a family they love to broaden their horizons with travel.

Mo Olckers

Mo has extensive experience in lending ranging from first home buyers to complex multiple investments and commercial properties. He spent the last five years refining his skills working for a major bank which gives Mo the added advantage of knowing what banks require to simplify the process for his clients.

Mo purchased his first home at the age of 18 that ignited a passion for the property industry and he has owned multiple investments since then.

“My desire to see my clients succeed means that I think outside the box and explore multiple scenarios to ensure the best outcome for my clients”.

On weekends, Mo enjoys spending time with his wife and two young daughters, barbecuing or working on a renovation project.

David Gribble

Whether you are a first home buyer, property investor, building your dream home, or just looking to find the best loan, David can support you through the process to make it seem simple.

Having worked in banking and lending for 20 years, you can rely on David and his experience to walk you through the initial idea through to the final stage, whatever your dream may be.

David says that what has kept him energised in this industry for so many years is getting to know his clients, working together with them to find out what their goals really are, and the buzz of seeing them through to reality.

Keeping fresh through regular swimming, gym sessions and basketball, when they find some spare time, David and his wife are avid travellers. Aside from trips to see family in Italy, their favourite holiday was a drive from Auckland to Stewart Island and back.

Julie Bernicoff

Julie Bernicoff has worked in finance for over 25 years; the last 17 here in New Zealand within the mortgage and lending sector. She is an administrative expert making sure everything runs smoothly behind the scenes.

Julie is passionate about taking the very best care of clients, in person and through her administrative efficiencies. When she’s not in the office, she’ll be enjoying an open air walk, spending time with her family, meeting up with friends or reading a good book.


Erica Siljeur

Lesley Gell

Lesley is the Office Manager at Threefold responsible for accounts and ensuring the smooth running of the office on a day to day basis.  She is a diligent, highly motivated professional with proven office and business administrative abilities having worked in various industries.  She loves being part of the friendly team at Threefold.  She enjoys thriving under pressure, while achieving strict deadlines and managing chaos in a calm, confident manner.

Outside of work she enjoys spending time with her family, walking her dog along many of the beautiful North Shore beaches, drinking good coffee and sampling the odd glass or two of wine.