Property Investors
Grow your portfolio strategically
Investment mortgages are different from home loans. We'll help you structure your debt, manage multiple properties, and keep your portfolio growing sustainably.
Discuss your strategyWe specialise in
Successful property investing requires more than just getting a loan. It's about smart structuring and long-term strategy.
Debt structuring
We help you arrange your loans so your interest payments are tax-deductible where they should be. Good structure can save you thousands in tax each year.
Interest-only options
Interest-only loans let you invest the capital instead of paying down principal. We'll help you figure out when this makes sense and when you should be building equity.
Entity structure advice
Should you buy through a trust, a company, or your own name? We'll talk through the pros and cons for your tax and legal situation. We work with accountants and lawyers for advice.
Portfolio growth
Growing from one property to five requires different lending. We help you unlock equity, manage LVR requirements, and keep building without overextending.
Getting investment mortgages sorted
Portfolio review
We'll look at what you own, what you owe, what each property earns, and where you're trying to go. This helps us understand your whole picture, not just one loan.
Structure strategy
We'll map out the best way to structure your debt for tax, recommend whether you should use a trust or company, and show you how to unlock equity as you grow. We'll coordinate with your accountant.
Application & approval
Whether you're buying a new property, refinancing to unlock equity, or restructuring what you've got, we'll handle the full application and get you approved.
Investment mortgage FAQs
What's the LVR limit for investment properties?
Investment property lending typically requires a 10–20% deposit depending on your situation and the lender. We work within RBNZ requirements and help you structure your properties to maximise borrowing capacity while staying safe.
Can I use interest-only loans?
Yes. Interest-only is available on investment properties, usually for 5-10 years at a time. It's good if you're building a portfolio and want to reinvest the capital. The trade-off is you pay more interest, and you're not building equity. We help you decide whether it suits your strategy.
Should I buy through a trust or company?
It depends on your tax situation, asset protection goals, and how many properties you'll own. We work with your accountant to figure out which structure works best. A trust offers flexibility, a company can offer tax benefits in some cases. We'll guide you through the options.
How do I manage multiple properties and lenders?
As you grow your portfolio, things get complicated fast. Some investors end up with 3-4 different lenders. We help consolidate and streamline where it makes sense, and we stay on top of each refix so you're always on the best rates. Having one adviser makes it much easier.
Ready to optimize your portfolio?
Let's talk about your investment goals and how to structure things for maximum returns and tax efficiency.
Schedule a portfolio review