Investment Property

Free mortgage services for investors 

Before you buy an investment property or add to your rental portfolio, talk us first - we’ll save you money! Parsons and Co. Mortgage First helps residential and commercial property investors throughout New Zealand, with free mortgage advice and services. We negotiate with lenders on your behalf and in most cases we can complete the entire loan process with you by phone and email.

Simplifying property investment

Parsons and Co. Mortgage First makes investing in property a much simpler process. As mortgage brokers and Registered Financial Advisers, Rob Parsons and Sam Parsons are qualified to help you with the loan application process, negotiate with lenders and make impartial recommendations. An increasing number of property investors are spreading their loans across multiple lenders - we can also provide advice on whether that strategy is best for your particular circumstances.

Rob or Sam will be your point of contact, helping you get the best loan offer possible. As one of Canterbury’s original mortgage broking specialists, our trusted relationships with a wide range of bank and non/bank lenders mean we have a strong chance of negotiating a better offer than if you had approached the lender/s direct, or through another mortgage broker.

LVR: Loan-to-Value Ratio for investors

With the current Reserve Bank LVR restrictions requiring investors to have a 40% deposit for residential property (with some exceptions allowing down to 20% deposit), it’s even more important to undertake due diligence before applying for a loan, refinancing or restructuring your mortgage. That said, the Reserve Bank has hinted that they may relax LVR restrictions in the future – we’re keeping a close eye on developments, to ensure our clients are able to make the best possible property investment decisions.

Bright-Line capital gains tax for investment properties

Residential property investors need to be aware of the extended, five year ‘Bright-Line’ capital gains tax the government is introducing, especially for investors offsetting losses from existing properties against other income.  Essentially the tax will mean that residential investment properties will be taxed on capital gains, if they are sold within five years of purchase. For properties purchased after regulations change, the existing two year test will continue to apply to properties; they are unlikely to be taxed on capital gains made, if they aren’t sold for at least two years.

Interest rates and mortgage products change, your circumstances and investment priorities may too. Parsons and Co. Mortgage First provide free, impartial advice throughout the lifetime of your loan/s, to help you achieve your property investment goals.

Keen to get started?

Call or email us – Rob or Sam will get in touch to discuss your options.

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