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.
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.
Strategic access to wide lender group
Specialist knowledge and advice
End-to-end support
The process
1. Get in touch
Reach out for a quick chat about what you’re looking to achieve, and we’ll point you in the right direction from the start.
2. Share your details
We’ll gather the information we need to understand your situation fully and prepare a strong, well-supported application.
3. We work with the lenders
Our team handles the process with the banks and lenders—negotiating, presenting your application, and making sure everything stays on track.
4. Finalise and settle
If lenders need anything extra, we’ll guide you through it and keep you updated until your approval is confirmed and your finance is ready to go.
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.
Get in touch