Lendal Mortgages

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Investment Home Loan Wellington.

Investment property loans in New Zealand can get pretty complicated. We are here to simplify things and guide you through the investment mortgage loan process.

An investment property is the Kiwi dream.

While many countries around the world invest mainly in shares, New Zealanders prefer investing in property. It’s a tangible investment – one you can drive by and see. Historically, residential investments have performed well in terms of capital gains.
Talk to Lendal Mortgages about getting an investment property home loan.

Buy to let mortgage Wellington

Needing an Investment Mortgage?

With ever-changing rules and regulations, it can be difficult to know what property investment means for you. Lendal Mortgages is here to guide you through changes – including loan to value ratio (LVR) requirements and the differences between buying an investment property on your own, with a spouse or maybe your business partner.

The lending can be complex.

  • Will the rental cover the loan (principal and interest) ?
  • How you can get finance if the rental won’t cover the loan.
  • How the bank will assess your rental property.
  • Do you need a property manager? And how do they charge?
  • What happens if your tenant leaves?
  • How to structure your loan.
  • Should the loan be through a trust / Look Through Company (LTC) / personal names?
  • What guarantees will the bank ask for?
  • Will the purchase affect your future borrowing capacity?
  • How many investment properties are required before the loans get treated as commercial loans.
Home Loan Broker for Investment Property

Want to know how I can support you with you Investment Property Loan?

Tricks, tips and general info is good. But tailored advice is better

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