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Investment Property Loans
Whether you’re buying your first rental property or expanding your investment portfolio, Secure Mortgages is here to help you make smart, informed decisions. We work with a wide range of lenders to find the right finance structure based on your goals—whether it’s long-term capital growth, rental income, or a mix of both.
Our experienced advisors understand the New Zealand property market and offer insights on interest-only loans, loan-to-value ratios, and leveraging existing equity. We simplify the lending process, so you can focus on building wealth through property investment.
Why Choose Secure Mortgages?
Can I use the equity in my home to buy an investment property?
Yes! Many investors use the equity in their current home as a deposit for their next property. We’ll help you unlock it.
Do investment loans require a larger deposit?
In most cases, yes—typically around 30–40%. However, some lenders offer more flexible options depending on your financial profile.
Should I choose an interest-only or principal & interest loan?
That depends on your investment goals. We’ll explain the pros and cons of both so you can make an informed choice.
What’s the best loan structure for rental income properties?
It depends on your tax situation, cash flow goals, and long-term plans. We’ll work with your accountant (if needed) to align the right strategy.