Investment Property

Investing in property in New Zealand can be a great option, increasing your wealth by paying your mortgage from rental income and will secure your financial future. It can also be a good retirement plan that will not only for your future life arrangements, but also will increase your assets over time.

Planning your finances

There are many things you need to know when you are considering buying an investment property or building your property portfolio:

How much deposit do I need to prepare for buying an investment property?
Can I use the equity of my existing home if I don't have a large deposit?
What is the best entity to own an investment property?
Should I choose to pay only the loan interest or the principal and interest?
How do I structure my loan to take advantage of tax incentives?

Generally speaking, most lenders consider a LVR of 65% of the value of an investment property. This means you need to pay a 35% deposit. But this does not apply to Good Shepherd, as mortgage advisers, we can get you up to 80% borrowings of your investment property - which means you only need a 20% deposit. In some cases, you may not need a deposit to get started - if you have the equity in your existing home, some lenders allow you to use your home as security.

Contact us for expert advice

There are many ways to structure your investment lending that need to be designed for your specific goals. Good Shepherd are New Zealand's investment mortgage experts, to ensure you make the right decisions through the complexities of investment financing, and , to help you build your investment strategies. Whether you are a first home buyer or looking to invest in property, but with the right support and knowledge, you can unlock long-term wealth and future investments.