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Home loans to buy Investment Properties

Build your future with Property Investment

An investment property can be a powerful way to get ahead, combining rental income with long-term capital growth.

As investors ourselves, the My Mortgage team understands the strategy behind building a property portfolio and we’ve helped hundreds of clients purchase their first, second or tenth investment property with confidence.

Thinking about an investment property?

Contact us to talk about your plans today

Buying an investment property can be a great way to get ahead - when the right property is paired with the right lending structure.

With years of personal investing experience and a strong track record helping others, the My Mortgage team can guide you through your options with confidence.

Buying your first rental property

When it comes to buying your first rental, there are lots of things to consider. Claire breaks down some of the key finance questions for you.

Splitting lending across banks

There are a few reasons that splitting your lending, as an investor, across multiple lenders is a good idea. Adam explains why and when it might suit.

Hear from an investor

Hayley is a long-time My Mortgage client with a diverse property portfolio. Hear about her experience working with the My Mortgage team.

From the blog - Property Investment

CASE STUDY: Should I upgrade my home or buy a rental property?

Jason and Sarah are professionals in their late 30’s, with three children, living in Tauranga. They purchased their first home in Hamilton 10 years ago, and 5 years ago, they decided a move to beRead more

Tips to repay your mortgage faster

Each time a payment comes out for your mortgage repayments, it feels like it is a never ending flow of money from your account and if you're near the start of your mortgage, 30 years seems like aRead more

Why you should split your lending between banks

Sign Up for February 2025 Interest Rate Webinar hereRead more

Landlords: Why Selling Your Investment Property to Tenants Could Be Your Best Move

As a landlord, the prospect of selling your investment property comes with several considerations, especially with the upcoming changes to the bright line test on July 1, 2024. This shift, reducing tRead more

Tenants Buying from Landlords: A Strategic Move in 2024

With the recent changes to tax regulations coming in July 2024, many landlords are considering selling their investment properties. For tenants, this shift presents a unique opportunity to transitionRead more

Why invest in property?

We're back for Season 2! In this episode of the My Mortgage Podcast, Claire and Greg talk about the power of leveraging investments, and why you should invest in property. We're talking about; HowRead more

Up-to-Date Financials for Business Owners buying residential property

A crucial aspect of residential home lending for business owners is the significance of keeping your business financials up to date. In recent years, banks have become increasingly stringent aboutRead more

Navigating Current Interest Rates: Why a Short-Term Fix Might Be Your Best Bet

At My Mortgage, we've been closely monitoring the current landscape of interest rates as of February 2024. With rates fluctuating between 6.4% and 6.9%, depending on the chosen term, we believe it'sRead more

I’m in a trial period - Can I apply for a home loan?

It’s less common these days to see trial periods in employment contracts since the law changed in 2018 to only allow employers with 19 or less staff to include trial periods. But the question doesRead more

Co-Ownership - Buy with a friend or family member!

Over the last year as interest rates have risen along with the 'test rate' which banks use to assess your ability to service a mortgage we're finding we are having more conversations with clients aboRead more

Five things to think about when your home loan is coming up to its fixed rate rollover

For a long time now, it seems as if the Kiwi approach to refixing mortgages has been to simply refix at the lowest rate available at the time of rollover - Normally the 12 month rate! At a time whenRead more

Why can't I borrow as much as I want from the banks?

If you're in the market for a home loan, you might be surprised to find out that currently, the amount you can borrow from the banks is less than what you had in mind. There are several factors thatRead more

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