Investment Properties
Build your property portfolio with expert guidance
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 access equity in your existing properties, find lenders with investor-friendly policies, and structure your loans to optimise cash flow and tax efficiency.
How We Can Help
Calculate your borrowing capacity for investment properties
Access equity in your home or existing investments for new purchases
Navigate the different LVR requirements for investors (typically 35-40%)
Structure loans to maximise rental yield and cash flow
Compare lender policies on rental income assessment
Advise on interest-only vs principal & interest repayments
Help you understand the tax implications of different loan structures
Frequently Asked Questions
Related Articles
Tips and insights to help you on your journey
How Soon Can You Reapply for a Mortgage After Being Declined?
Top Mistakes First-Time Property Investors Make (and How to Avoid Them)
The Revolving Credit Tax Trap for Investors - Guest Blog
Better Budget: Smoke Alarms
How to Achieve Cashflow Positive Rental Property in NZ
What Does LVR Mean?
What Our Clients Say
“Yes, prompt response to my questions. He provided various options and explained the pros and cons which helped me achieve my target”
Kiran Sripathi
Roger Fairbairn“Roger was brilliant! He was hugely helpful throughout the whole process of buying our first home. As our circumstances changed, he was quick to update our strategy and kept us fully informed at every step. Roger was really easy to talk too, worked fast, and explained everything super well, so we learned a lot from him going through the process! We were based in Wellington and did everything remotely with Roger, which was really easy. Highly recommend!”
Livvy Mitchell
Roger Fairbairn“We really appreciate Josie’s work ethic and patience with our first home purchase journey. She was very responsive and communicative (literally responds to questions within minutes even past 10pm), and would do everything to make us reassured that we’re on the right track. We’re thankful and highly recommend her to anyone purchasing their property.”
Monica O
Josie CoronadoReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.