Investment property lending
The next property is a different conversation from the one you live in.
Buying the next property is a different conversation from buying the one you sleep in.
Lenders look at rental income, servicing after interest, and how much equity you can pull without boxing in the home you live in. The rate is rarely the whole game. Structure is.
We help you work out what you can do now, what you should wait for, and how to hold the lending so the purchase after this one is still possible.
What we cover
- Using equity without locking the next move
- How rental income is treated — it is not dollar-for-dollar
- Interest-only versus principal and interest, and when each earns its keep
- Crossing from one property to a small portfolio
Tax and lending sometimes pull in different directions. We are mortgage advisers, not tax lawyers. We will say when you need the other chair in the room.
Bring the statements
If you already have a property and you are looking at the next one, start with a conversation. Latest loan statements, a rent figure, and what you want the next two years to look like. We will do the rest.
Same team as the home loan — Mo Olckers FSP753591 and Olga Zaruchevskaya FSP1010601 — under Momentum Partners Limited FSP757091. Nationwide New Zealand. 5.0 on Google.