Investment Property
Investment Property
Building wealth through property investment is one of the most proven paths to financial security in New Zealand.
At My Wealth, we specialise in helping everyday Kiwis like you navigate the investment property journey from start to finish. Ready to take the next step and work towards financial independence?
Book your free, no-obligation consultation with Gisborne financial advisor My Wealth, and let’s explore what’s possible for your financial future.
Expert Guidance for Buying an Investment Property
Investing in property has long been a cornerstone of wealth creation for New Zealanders, offering the potential for regular rental income and long-term capital growth.
However, buying an investment property is fundamentally different from purchasing your own home. The financial considerations are more complex, the lending criteria are stricter, and the ongoing management requires careful attention to ensure that your investment actually builds wealth rather than becoming a financial burden.
Many first-time property investors face common hurdles like understanding how much deposit they’ll need, navigating the tax implications of rental income and deductions, and selecting a suitable property that will deliver strong returns. If you’re self-employed or have a complex income structure, securing a home loan for an investment property can feel even more challenging.
That’s where My Wealth’s comprehensive approach and expertise come in. From your initial consultation to securing competitive real estate investment loans and setting up systems to manage your property finances, we walk alongside you through every stage of your journey.
Our Investment Property Services
Home Loan for Investment Property
Securing the right financing is the foundation of any successful property investment. We work with a vast network of both traditional banks and non-bank lenders for investment properties, providing you with access to competitive options tailored to your unique circumstances.
We handle the negotiations with lenders on your behalf, ensuring you secure favourable terms for your real estate investment loans.
Strategic Investment and Retirement Planning
Property investment isn’t just about today but also about building lasting wealth. Whether you're a younger investor building a portfolio for future financial independence or approaching retirement and seeking to secure passive income streams, we'll help you develop a clear and achievable strategy.
Specialised Lending Solutions
For clients with unique circumstances, we offer access to specialised lending options that open doors to property investment opportunities. This includes bad credit mortgage loans and non-standard lending solutions for those who might not qualify for conventional home loans, as well as home equity loan advice that enables you to leverage your existing property to fund further investments or renovations.
Ongoing Support and Portfolio Management
Your investment property journey doesn’t end at settlement. We provide regular check-ins to monitor your progress, review your financial position, and identify opportunities for improvement.
This might include refinancing opportunities when better rates become available, strategies for optimising cash flow, or guidance on when and how to acquire additional investment properties.
Financial Planning and Cash Flow Management
Beyond securing your loan, we provide comprehensive budgeting and cash flow management support to ensure your investment property contributes to your overall financial well-being rather than creating undue stress.
We'll also help you understand the tax implications of property investment, including deductions available to investors and your obligations as a property owner.
Why Work with My Wealth?
Buying an investment property is one of the most significant financial decisions you'll make, and having the right advisor by your side can mean the difference between a thriving investment and a costly mistake.
As Gisborne locals, we offer face-to-face consultations with personalised service tailored to your unique circumstances and goals. Instead of a faceless online service, you’ll have a dedicated advisor who takes the time to truly understand your situation and can help you secure the right investment property home loan.
We believe that expert financial advice should be accessible to everyone, which is why we offer our services at a lower price point than many of our competitors. Most importantly, we develop personalised strategies based on your specific financial position and long-term goals.
Don’t let uncertainty hold you back from building the financial future you deserve. Book a consultation for mortgage broker services with My Wealth and let’s explore how an investment property can help you achieve your wealth-building goals.
Frequently Asked Questions
How much deposit do I need for an investment property?
For most investment properties in New Zealand, you'll need a minimum deposit of 30% of the property's value as of 2025, following recent Reserve Bank regulations.
New build investment properties typically require only a 20% deposit, making them a more accessible option for investors who may not have the full 30% saved. Special circumstances may allow for deposits as low as 10% in rare cases, such as through specific lenders for investment properties or if you have significant equity in another property.
The specific deposit required can also vary based on the lender's individual criteria, your overall financial situation, income stability, and current market regulations.
Can existing home equity be used for the deposit?
Absolutely. Using existing home equity is one of the most common and effective ways to fund the deposit for buying an investment property in New Zealand.
Which property is best for investment?
The best investment property depends on your individual financial goals, budget, and investment strategy.
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There's no one-size-fits-all answer, as different properties suit different investors based on whether you're prioritising substantial rental income, long-term capital growth, or a balanced approach.