Investment Loans
There’s a lot to learn about property investment. We make it easier by matching you with an investment loan tailored to your specific goals and financial needs.
Growing wealth through property comes down to getting your finance structure right from day one. Whether you are tapping into usable equity in your family home to buy your first rental, adding to an existing portfolio or reviewing your setup to manage debt caps, we make the numbers straightforward.
Investment lending is not one size fits all. How your borrowing is structured influences your monthly cash flow, your tax positioning and how easily you can borrow again for your next purchase.
We work across our panel of major banks and specialist lenders to find finance suited to your goals. From interest only terms and revolving credit facilities to multi lender setups that protect your family home, we help you build a clear path forward.
Own a home, invest in another.
Download the Ultimate Investors Guide and walk away knowing how to nail your budget, find the right investment property, understand your cashflow and more.
We compare and negotiate competitive interest rates.
We have access to NZ's widest panel of banks and lenders.
We can help you tap into your KiwiSaver.
We're the largest group of Mortgage Advisers in New Zealand.
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Taking your first step into property investment
You do not need a pile of spare cash in a savings account to purchase your first rental. If your home has grown in value or you have paid down your loan balance, you can often use your usable equity to fund your deposit. We can calculate your usable equity buffer, walk you through your holding costs and set up your finance so your family home stays protected.
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Expanding an existing property portfolio
When you own one or two rentals, adding another requires a closer look at serviceability and lending limits. Lenders assess rental income, existing liabilities and debt to income ratios differently. We can look across our panel to find lenders that take a practical approach to your rental returns, giving you the borrowing power to keep growing.
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Restructuring for experienced investors
Seasoned investors know that portfolio health is about flexibility and risk management. Having all your loans with a single bank can leave your properties cross secured, giving the lender total control over your sale proceeds and equity. We can help you de-risk by splitting securities across multiple lenders, setting up interest only periods and putting revolving facilities in place for maintenance or opportunities.
What every property investor needs to know
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Deposit requirements
Under Reserve Bank rules, buying an existing residential investment property generally requires a 30% deposit. For qualifying new builds, lenders can often accept a 20% deposit.
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Debt to income (DTI) caps
Lenders assess your total borrowing against your gross household and rental income. Because different banks calculate living expenses and rental yields differently, comparing our panel of lenders helps you find the right fit for your circumstances.
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Interest deductibility
Mortgage interest on residential rental properties is claimable as a tax expense. Setting up your loan accounts cleanly from day one makes life simple for your accountant at tax time.
Ask us a question.
We're here to help.