First-time investors
We explain how investor loans differ from standard home loans, calculate what you can borrow, and structure your first investment loan to keep options open.
Investment property lending that sets you up to grow.
Buying your first rental or growing a portfolio? We help find the right lending structure and compare options across the market.
The right lending structure makes property investment work.
How your lending is structured matters as much as the property you buy. The wrong setup can limit your ability to grow, reduce your returns, or create problems down the track.
We understand property investment and work to make sure your lending is set up correctly from the start.
Whether you are starting or scaling up.
Growing your portfolio
We review your current lending, identify equity opportunities, and position your application with lenders who understand property investors.
Use existing equity for your next purchase.
If your home or investment property has increased in value, you may already have the deposit for your next purchase sitting in your equity.
We calculate how much you can access and structure the borrowing so your existing position stays protected. Lenders require a minimum level of equity to remain, and we factor that in from the start.
How we support property investors.
Investment lending is assessed more strictly than owner-occupier lending. Investor rates are typically higher, and the structure of your borrowing directly affects your returns and your ability to keep buying.
- Know your numbers before you commit
- Compare investor rates and interest-only options
- Keep personal and portfolio lending appropriately structured
- Flag tax considerations so you can involve your accountant early
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
How much deposit do I need for an investment property?
Most lenders require a minimum deposit of 35 per cent for investment properties. Existing equity can often be used as part of the deposit.
Can I use home equity to buy an investment property?
Yes. If your property has increased in value, you may be able to access that equity as a deposit for your next purchase.
Are investor loans assessed differently?
Yes. Investor loans are assessed more strictly, rates are typically higher, and lenders look closely at rental income and overall financial position.
Can investment loans be interest-only?
Yes. Interest-only lending is available for investment properties and can improve rental cash flow. We help you weigh whether it suits your situation.
Compare options across leading New Zealand lenders.
Ready to build your property portfolio?
Property investment is a long-term game. Getting the lending right from day one puts you in a stronger position to keep growing.