We Can Help You Grow Your Rental Portfolio
Growing your rental portfolio is a proven way to build wealth and steady income in Tauranga and across the Bay of Plenty. The challenge isn’t just the interest rate — it’s structuring lending so cash-flow works, equity is used wisely, and you stay flexible for the next purchase.
That’s where Best Mortgages, your local mortgage broker Tauranga, comes in. We compare banks and reputable non-bank lenders, explain how each option affects yield and risk, and align your lending with long-term goals.
Personal note: a Mount Maunganui couple were told by their bank they’d “maxed out” borrowing. We refinanced their home, released equity, and secured finance for a second rental in Bethlehem. Both properties are now cash-flow positive — smart structure made the difference.
Turning Challenges into Opportunities
Yes, Reserve Bank settings and tighter bank policies can slow investors down. It’s still possible to grow — if you approach the right lenders with the right structure. As independent mortgage brokers in Tauranga, we work across major banks and trusted non-banks to find policy-fit, competitive solutions.
How we help
- Equity & borrowing power: clear view of what you can do now and next.
- Smart structures: interest-only vs P&I, split terms, revolving/offset to protect cash-flow.
- Lender match: present your file to lenders whose criteria suit portfolio growth.
- End-to-end support: valuations, rental appraisals, and paperwork handled for you.
Ready to expand? We’ll run the numbers, compare mortgage rates Tauranga-wide, and map the most efficient lending path across the Bay of Plenty.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
How can I use my home equity to buy another rental property?
Many investors in Tauranga use the equity in their own home as a deposit for their next purchase. We’ll calculate how much usable equity you have, compare lenders’ limits, and structure your loan to protect your existing property while freeing up funds for portfolio growth.
What stops investors from getting more rental loans?
The biggest hurdles are Reserve Bank restrictions and bank servicing limits. As independent mortgage brokers in Tauranga, we understand each lender’s criteria and can find policy-fit options — often from non-banks — to help you keep expanding your portfolio across the Bay of Plenty.
Should I keep my rental loans interest-only or pay principal and interest?
AccorInterest-only loans can improve short-term cash-flow, while principal and interest helps reduce debt faster. We’ll model both so you can decide what suits your stage of investing, income stability, and future purchase plans.dion Content
Can I refinance existing rentals to release equity?
Absolutely. Refinancing is one of the smartest ways to grow without using savings. We’ll review your lending, identify unused equity, and work with lenders who support portfolio investors — ensuring your repayments and tax position remain sustainable.
Do you work with investors outside Tauranga?
Yes. While we’re based in Tauranga, we help clients across the Bay of Plenty and nationwide through video or phone consults. Whether you’re in Mount Maunganui, Papamoa, or Auckland, you’ll receive the same personalised guidance and expert lending strategy.
