Investment Property Loans
Whether you’re building wealth or buying your first rental, we’ll help you structure it right from day one.
Why This Matters
Buying an investment property is not like buying a home to live in — the numbers matter more than the emotion. Lenders look at rental income, debt servicing ratios, and how your current portfolio is structured. In Tauranga and across the Bay of Plenty, property investors face new LVR rules, stress tests, and tight bank policies. That’s why the right mortgage structure — and the right adviser — makes all the difference.
At Best Mortgages, we help property investors of all levels: first-time landlords, upsizers, passive investors, and seasoned portfolio holders. We structure your loans for tax efficiency, equity growth, and future scalability. Whether you’re buying in Papamoa, Mount Maunganui, or beyond, we’ll make sure the finance supports your strategy. We’ll even advise whether to go bank or non-bank, interest-only or P&I, single property or cross-collateralised. You bring the vision — we’ll bring the numbers that make it work.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Case Study: Smart Equity Move in Pyes Pa
Ben and Ana already owned a home in Pyes Pa and wanted to invest in a second property. Their bank told them they needed a 40% deposit and couldn’t use their equity. We stepped in, reviewed their numbers, and showed them how to unlock equity through a split-lender strategy using a non-bank for the new purchase. Within three weeks they secured a 3-bedroom rental in Greerton and were cash-flow positive from day one. No stress, no bank walls — just smart structuring.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We assess your property position, debt levels, income, and borrowing power across multiple lenders.
We work out how to structure your loan(s) for tax efficiency, equity growth, and low-risk exposure.
We coordinate valuations, manage rental income documentation, and ensure the approval lines up with your offer deadline.
We help settle the deal and map out what your next move could be — with scalable structuring from day one.
Your Questions, Answered
How much deposit do I need for an investment property?
Most lenders want 30% for an investment property. But with strong equity or the right structure, we can often make it work with less — especially using non-bank options.
Can I use equity from my current home to buy a rental?
Yes — many investors do. We calculate your usable equity and structure it in a way that doesn’t cross-secure properties unless it’s beneficial.
Should I go interest-only or principal & interest?
It depends on your goals. We’ll walk you through the cashflow vs long-term impact and help you choose what aligns with your investment plan.
Will banks count rental income when approving me?
Yes, but they only count a portion — usually 65–80% of the rent. We make sure your application factors this in, and we match you with a lender that uses favourable policy.
Can you help with short-term investor loans or interest-only bridging?
Absolutely. We have access to flexible lenders who support shorter-term investor strategies or projects like reno-to-rent, subdivide-to-sell, or Airbnb.
Ready to Invest Smarter?
Your property investment plan deserves a mortgage that matches. Let’s structure it properly from the start — and help you grow faster with less risk.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
