Grow your investment property portfolio with us
In the realm of investments, the safety of property is a well-known narrative, and while it often holds true, the success of any investment hinges on the careful consideration of numbers. This is where Guardian Smith steps in. Engage in a conversation with us about your investment options, and you might be pleasantly surprised at the untapped equity at your disposal and the substantial borrowing potential for your investment endeavour’s. Our team offers professional advice not only on the amount you can borrow but also on optimising your mortgage structure and securing favourable interest rates. Beyond financing, we take the reins in coordinating with banks, collaborating with your Solicitor, and consulting with your Accountant to establish the most advantageous legal structures and tax situations for your investments. At Guardian Smith, we’re dedicated to ensuring that your journey into property investment is not only safe but also financially sound and strategically optimised.
Guardian Smith are experts in investment loans and properties
New Zealanders have long cherished the idea of investing in tangible assets like real estate, and the advantages are clear. Property stands as a secure and tangible investment, particularly when favorable interest rates make it cost-effective to manage. Recognising the crucial role of securing the right investment loan, Guardian Smith stands out as experts in the field. With access to a diverse panel of lenders, Guardian Smith caters to a wide range of borrowers, offering not only standard investment loans but also innovative, tailored solutions. Whether it’s a conventional approach or a more unique investment strategy, Guardian Smith ensures that there’s a suitable option for nearly every investor, making the journey into real estate investment in New Zealand a well-guided and rewarding experience.
Frequently asked questions.
What is a property investment loan and how does it work in New Zealand?
A property investment loan is a type of home loan used to purchase real estate with the intention of generating a return, either through rental income, future resale, or both. In New Zealand, investors can typically choose between interest-only or principal & interest repayment structures. Investment loans often require a larger deposit (typically 30%) and may come with slightly higher interest rates than owner-occupied home loans if you are with the wrong bank or lender.
At Guardian Smith Mortgage and Financial Services, we help investors structure these loans strategically to maximise cash flow, align with your investment goals, and leverage equity for future purchases.
Can I use equity from my home to buy an investment property?
Yes, using equity from your current home is one of the most effective ways to finance an investment property in NZ. Equity can be used as a deposit or even to cover the full purchase, depending on your borrowing power.
At Guardian Smith Mortgage and Financial Services, we help you unlock the equity in your home safely, without overextending your position, and ensure the new investment loan is structured for maximum tax efficiency and growth potential.
Are interest-only loans a good option for property investors?
Interest-only loans are popular with investors because they lower initial repayments and improve cash flow. In New Zealand, interest-only terms usually last 3 to 5 years and in some cases 10 years. While this strategy reduces short-term costs, you won’t be paying down the principal, which can increase long-term interest costs.
We advise clients based on long-term financial goals, not just short-term savings, interest-only can be powerful when used strategically as part of a broader investment plan.
How do I choose the best lender for a property investment loan?
Choosing the right lender depends on your financial goals, deposit size, income, and risk appetite. Different banks have different rules for investors—some allow higher LVRs, others offer better cashbacks or fixed rates.
At Guardian Smith Mortgage and Financial Services, we compare all major NZ banks and non-bank lenders to find the right solution for your investment strategy. We tailor every mortgage to the client’s goals, whether that’s capital growth, passive income, or early retirement.
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