Property investment is one of the most popular ways New Zealanders build long-term financial security. Whether you are buying your first investment property or expanding an existing portfolio, TNC Financial Services works with lenders across the market to structure your loan in the most financially efficient way possible — taking into account rental income, equity position and tax implications.
Then let’s help you build your portfolio.
Investment lending sits under Reserve Bank loan-to-value restrictions, which generally require a larger deposit than an owner-occupied purchase — commonly around 30 to 35 percent, depending on the rules current at the time and each lender's appetite. Many investors use equity in their existing home rather than cash — we will work out what your position supports.
Often, yes. If your home has increased in value or you have paid down your loan, that usable equity can act as the deposit for an investment purchase. How much equity each lender will recognise varies — we calculate your position and structure the lending accordingly.
Yes — lenders include expected rental income in their servicing assessment, but they only count a portion of it (this is called scaling) to allow for vacancies and costs. Every lender scales differently, which can significantly change what you can borrow — knowing which lender suits your numbers is exactly where we help.
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