Investment Property

Mortgage Advisory

Engineer lending that scales your portfolio.

Strategically structure your lending to maximize returns and grow your property holdings.

Build wealth through property.

Whether you're purchasing your first rental or expanding a large portfolio, the way you structure your investment loans is critical for tax efficiency, cash flow, and future borrowing capacity. We guide you through the complexities of investment lending.

How we support you:

  • Leveraging Equity:

    Utilizing existing property equity to fund new purchases.

  • Interest-Only Options:

    Managing cash flow efficiently during the growth phase.

  • Portfolio Strategy:

    Structuring debt to protect your personal assets and optimize tax.

Modern Investment Property
Portfolio diagnostics

Numbers we lock in before you launch an offer.

Target yield on debt +1.75%

We ensure gross rent is at least 1.75% above the blended interest rate so the property washes its face even after allowing for maintenance.

Portfolio LVR guardrail 65%

Staying below 65% combined LVR protects you from forced sales if values soften and keeps banks onboard for the next purchase.

Cash buffer 6 months

We bake in six months of principal and interest repayments per property so you can weather vacancies or rate hikes.

Levers we pull

Tailored tactics for serious investors.

Cash flow engineering

Split rates, offset accounts, and interest only periods to lift free cash without compromising long term debt reduction.

  • Scenario modelling under different rent assumptions.
  • ACC and income protection integration for self employed clients.
  • Tax aware structuring in line with your accountant.

Entity structuring

We liaise with your legal team to determine whether to hold in personal names, look through companies, or trusts.

  • Lender appetite for each ownership type.
  • Asset protection without destroying borrowing capacity.
  • Clear documentation trail for bank credit teams.

Acquisition pipeline

Planning two purchases ahead means we preserve equity and keep servicing ratios healthy for the next deal.

  • LVR caps and speed limit awareness.
  • Forecast of how each purchase impacts servicing.
  • Exit strategies mapped per property.
Execution roadmap

How we close complex investment deals.

1. Equity + cash audit

Valuations, rental assessments, and debt schedules give us an accurate borrowing position across every lender.

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2. Lender matrix

We map which banks will treat existing debt as self servicing, which will shade rental income, and where pricing is sharpest.

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3. Offer + due diligence

Negotiating finance clauses, ordering building reports, and lining up insurance to keep your offer competitive.

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4. Settlement + review

We coordinate drawdowns, register security, and then re-test the portfolio once the dust settles to prepare for the next opportunity.

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Case Study

Recent result: dual townhouse acquisition.

A Tauranga client wanted to secure two townhouses off the plan while keeping headroom for a future renovation. We refinanced their owner occupied property, freed $180k in usable equity, and structured interest only lending across two banks so neither institution throttled the exposure.

Outcome: Two properties settled with $1,100 positive monthly cash flow and lending pre-approval already in place for the next purchase.

Let's unlock your borrowing power.

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