Investment Properties
Build your property portfolio with expert guidance
In brief
Investment-property lending depends on your income, existing debt, usable equity, expected rent and the lender’s current LVR and DTI policies. Mortgage Lab can model your borrowing position, compare participating lenders and discuss loan structures, while tax and legal advice should come from the appropriate qualified professionals.
Mortgage Lab helps New Zealand property investors structure investment lending, assess rental yield, use equity, and compare lender policies.
Property investment can be a powerful wealth-building strategy, but it comes with its own set of rules and requirements. From LVR restrictions to rental yield calculations, there's a lot to consider.
Our advisers work with property investors at all stages – from buying your first investment property to building a multi-property portfolio. We understand the unique challenges investors face and how to structure loans for maximum benefit.
We can help you assess available equity, compare participating lenders and understand how different loan structures affect repayments and cash flow. An accountant or tax adviser should advise on tax treatment.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
How We Can Help
Calculate your borrowing capacity for investment properties
Access equity in your home or existing investments for new purchases
Navigate current lender and Reserve Bank LVR requirements for investors
Compare loan structures and their effect on rental cash flow
Compare lender policies on rental income assessment
Advise on interest-only vs principal & interest repayments
Coordinate lending decisions with advice from your accountant or tax adviser
Frequently Asked Questions
Related Articles
Tips and insights to help you on your journey
Negative Gearing After the Interest Deductibility Changes: Does It Still Work?
Pets in Rental Properties: Should Landlords Say Yes or No?
Apartments: The Low-Down On High Rises
Best Locations for Property Investment in NZ 2026
Declined for an Investment Property? What to Do When the Bank Says No Due to Credit History
How Soon Can You Reapply for a Mortgage After Being Declined?
What Our Clients Say
“What an experience for us! We were so fortunate and blessed to work with Stephane who walked with us every step of the way in this journey of purchasing our first home. We have had many mortgage brokers over the years and none have ever worked for us the way Stephane did. We truly appreciated his advice, experience and skills he bought in helping us! What a Godsend! If you want someone who knows what they’re doing and will walk with you every step of the way, Stephane is your guy! Our family appreciate you!”
Amelia Antonio
Stephane Skowronski“I cannot recommend Roger highly enough. From the very beginning of the process, he took the weight completely off my shoulders. At a time when I was at my rock bottom, Roger not only delivered an exceptional deal, but he offered reassurance, clarity and a sense of calm that I desperately needed. It genuinely felt like I didn't do a thing as Roger handled every aspect of the process with real professionalism, efficiency and care. I am just so thankful and grateful for Roger. If you're looking for a broker that goes above and beyond, Roger is the one you want in your corner.”
K Smith
Roger Fairbairn“I was a little nervous about refinancing our mortgage, but Lynne made the process straight forward and fought on our behalf to get the best deal and was quick to resolve the issues that came up along the way. Lynne was always available to talk to and answer all our questions. The Mortgage Lab online portal was user friendly and great for keeping all documents in together and tracking progress.”
Dylan Harper
Lynne DentReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.