Investment and rental property purchases

Buying an investment property can be a little daunting, but It is also a solid way to diversify your income and plan for the future of your whānau. It’s an important part of generating wealth in New Zealand and if we do it right we can help your whānau and also provide housing for others. We are here to help and do what we can to make it as easy as possible.

The process of working with us

Meet and have a korero
We will meet and have a look at your current situation and see if you have enough equity and income to take on the extra lending to purchase an investment property or rental. It is also important that we understand what your plan is and how we will use an investment home to help achieve your goals. There are many ways to purchase an investment and we need to make sure that you understand how it works and how an investment will work for you.

Get approval
If we have enough equity and income required for an investment property we will go to the banks and see who can make the best offer. We will normally approach your current bank first but this may also be a good time to restructure your current mortgage and see who can do the best offer. Once approved we can start looking for the ideal property.

Find a house
This is the most fun part of the process, but also the most important. When buying an investment property, you have to consider many different things than you did when you were looking for a house for yourself. What will be the rental return? How long do you intend to keep the property? What area do you want to buy in? How important is capital gain? When buying an investment property we try and take the emotion out of it and look at it from a neutral perspective. This is easier said then done, but we will help you along the way. Once you find a home we will make an offer and normally make it conditional to ensure that it is a good buy.

This is the final step of the process. We will meet to discuss the structure of your investment mortgage. This is when we will engage other professionals like accountants and rental managers. They can give us good advice to consider when structuring your mortgage so that you aren’t going to get stung with a big tax bill. The rental manager can also make sure that you are complying with rental regulations and have a tenant all ready and lined up for when you settle. You will sign the documents with the solicitor and then we are ready for settlement. After settlement we will schedule a yearly catch up to make sure that you are still on track to achieve your goals and inform you of any changes that have happened in the market.


New Zealand is one of the best places in the world to own property. The way that our system is set up means that effectively you may not need to pay tax on any capital gains if you retain the property for 5 or more years. Our incomes in NZ are traditionally low so to benefit the future of your whānau we need to have some diversity of income.

This is the million-dollar question and impossible for anyone to answer as no one has a crystal ball and can read the future. All we know is that if you are in it for the long term and we structure the mortgage right we can make some capital gain over the long term and use the income from the tenant to pay down the mortgage.

This is something for you to decide and we will help you to make an informed decision. This will depend on what your goals are and your level or risk. There are many different things to take into consideration when deciding where to buy. Have a good conversation with us and we will help you explore some options.

Ready to get started?