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Investment Property

An experienced mortgage broker and some careful calculations can tell you all you need to know from the outset.

Real estate is a popular investment product, for lots of reasons, and we think it has a long future in New Zealander's investment portfolios. 

Residential real estate is a prolific and widely understood asset.  It is widely covered by the media and enjoys a well informed market of buyers and sellers.  Independent research is readily available and is very cost effective.

Crunching the numbers is critical, and structuring the ownership and funding to your advantage is very important. 


Some of the situations we often deal with

  • Buying a house for the kids to live in.  This has been fairly common for families with children who attend University or other educational or training facilities.  Often the kids will have flat-mates so it just makes sense that they all pay the mortgage rather than another investor's rent (and mortgage).  
  • Expatriate New Zealanders who want to retain an interest in the New Zealand property market while living offshore.  
  • International property investors who invest in New Zealand's real estate for its yield and stability as in investment product. 
  • Regular property investors who may be starting out, or may own large portfolios of real estate.


You'll find the tools you need and some important tips on this page


Number Crunchers

Here are some easy-to-use models that will help you to uncover some of the real numbers behind any investment property. 

We've built these calculators because we know it can be daunting to sit down and crunch the numbers - but we also know that it's invaluable knowledge and we think knowledge is good.  Take the guesswork out of your investment decisions (or at least reduce the guesswork) by having a quick look at these models. 

Using CalculatorQuick guide for property investors

You just enter one figure (rent) and our model will calculate how much debt can be serviced by a series of rents and using a series of indicative interest rates. The model calculates results for both table loans and interest only loans. The results are a rounded up to the nearest $1,000.

Using CalculatorNegative gearing model

Assess the viability of an investment property based upon a range of variables, including a tax rate. Like our property investment model this simple calculator makes short work of complex calculations. The end result is an estimate of a tax adjusted annual cash surplus, or cash loss. The calculation illustrates a point, it does not convey tax advice or any other advice. The viability of an investment could depend on many factors which may not be included here.

Using CalculatorProperty investment model

By you entering just two or three simple figures, we can tell you perhaps the most critical factors about an investment property. The model will calculate; how much cash flow is left after debt servicing and; how much debt the property's cash flow will service. These facts are essential knowledge when considering investment property.

Using CalculatorHow much debt will this rent repay?

This calculator tells you what size loan you could repay with your rent. It's perfect if you are considering buying a house and you want to know what size loan you should aim for based on repayments that you are comfortable with.