The right loan for your investment
Whether you're buying your first investment property, adding another rental to your portfolio or looking to restructure your existing lending, getting the right mortgage structure is important.
As a Christchurch mortgage broker with personal experience owning and managing rental properties, I understand that investment lending is about more than simply finding an interest rate. I'll help you look at your borrowing options, understand how the numbers work and structure your lending around your investment goals.
Buying your first investment property?
Buying an investment property can be very different from buying your own home. Lenders look at your income, existing debts, deposit, rental income and the overall strength of your application when assessing how much you may be able to borrow.
I'll help you work through:
How much you may be able to borrow
How much deposit you may need
How rental income may be considered
How your existing mortgages could affect your borrowing
The different lending options available
How to structure your lending for your investment goals
Before buying an investment property, I recommend speaking with your accountant about ownership structures and your individual tax situation. I can also connect you with property-savvy professionals where appropriate.
Already own investment properties?
If you're looking to expand your property portfolio, there may be opportunities to use your existing equity and restructure your lending.
Every investor's circumstances are different, so I'll look at your overall position rather than treating each property and loan in isolation.
Ready to discuss your next investment?
Find the right finance for your investment goals with Martin
Investment property mortgage FAQs
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The deposit required can depend on the type of property, your existing lending, your financial position and the lender's criteria. I'll help you understand what deposit and lending options may be available for your situation.
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The amount you may be able to borrow depends on factors including your income, existing debts, rental income, expenses, deposit and the lender's lending criteria. I can assess your overall position and help establish what may be achievable.
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Yes, lenders may take rental income into account when assessing an investment property application. However, lenders can treat rental income differently, so the amount recognised for servicing purposes can vary.
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Potentially. If you have sufficient equity in an existing property, it may be possible to use some of that equity towards the deposit or other costs associated with purchasing an investment property. The amount available will depend on your overall lending position and the lender's requirements.
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There may be different options for owning an investment property, including personal, company or trust ownership. The right structure depends on your individual circumstances, so I recommend discussing this with your accountant or solicitor before purchasing.
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Yes, many property investors already have a home loan when they purchase their first rental property. Your existing mortgage, equity, income and other debts will all form part of the lender's assessment.
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Yes. I can compare lending options across a range of lenders and help structure your application around your circumstances and investment goals.
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Yes. Your accountant can advise you on matters such as ownership structure, tax and the financial implications of your investment. Mortgage advice and tax advice are different, so I recommend getting professional advice before making decisions about how to own your property.
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There is no fee for my mortgage advice or service. Mortgage Group is generally paid a commission by the lender when your loan settles, so you pay nothing for my mortgage service.
There are no hidden fees or charges from Mortgage Group for arranging your mortgage.
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The best place to start is by discussing your current financial position and what you're hoping to achieve. I can then help you understand your borrowing options and what you may need to do before making an offer on an investment property.