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Property Investors

Q: What is the difference between fixed and floating (variable) interest rates?

Fixed Rate: Locks in your interest rate for a set period (e.g., 1 to 5 years), providing certainty of repayments, but usually incurring break fees if you pay it off early or restructure during the fixed term. Floating Rate: The interest rate can change at any time (up or down) based on market conditions. It offers more flexibility for making extra repayments without penalty. Many borrowers choose a split loan—fixing part and leaving part floating—for a mix of certainty and flexibility.

Looking to buy your first investment property? Or add another one to your already established portfolio?

Having a team of industry professionals on your side can make all the difference.

No strangers to property investment finance, and property investors ourselves, we can help you navigate the various options, while ensuring that you have the right structure in place. We also work closely with a network of trusted professionals so if there’s something that we can’t advise on, we can connect you with the right person to add to your team.

FAQ's

What is the first step in getting a home loan?

Looking to buy your first investment property? Or add another one to your already established portfolio?

Having a team of industry professionals on your side can make all the difference.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, expenses, existing debt (like credit cards or student loans), credit history, and the size of your deposit. We use bank lending calculators to provide you with an accurate estimate of what different lenders may offer.

What is the minimum deposit required to buy a house in New Zealand?

The standard requirement for owner-occupied homes is generally a 20% deposit. However, options may exist for first-home buyers and certain low-deposit applicants to secure lending with as little as a 5% or 10% deposit, though these loans often incur a Low Equity Premium (LEP) or require meeting specific criteria like the Kāinga Ora First Home Loan.

What is the difference between fixed and floating (variable) interest rates?

Fixed Rate: Locks in your interest rate for a set period (e.g., 1 to 5 years), providing certainty of repayments, but usually incurring break fees if you pay it off early or restructure during the fixed term.

Floating Rate: The interest rate can change at any time (up or down) based on market conditions. It offers more flexibility for making extra repayments without penalty. Many borrowers choose a split loan—fixing part and leaving part floating—for a mix of certainty and flexibility.

What is pre-approval and why is it important?

Pre-approval is a written indication from a lender stating they will lend you up to a certain amount, based on an assessment of your financial situation. It gives you a clear budget, strengthens your negotiating position when making an offer, and allows you to bid at auction with confidence.

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