Investment Property

Free mortgage services for investors

Before you buy an investment property or add to your rental portfolio, talk to us first - we’ll show you ways to save money! Sam, Anthony & Rob help 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. Whether it's a simple investment property purchase or more complex with possible formation of a Look Through Company (LTC) - we're here to help.

Simplifying property investment

Mortgage First makes investing in property a much simpler process. As mortgage brokers and Registered Financial Advisers - Sam Parsons,  Anthony Yee & Rob 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.

Sam, Anthony or Rob will be your point of contact, helping you achieve the best outcome with your investment property plans. 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 a 30% deposit for residential investment property (some exceptions may apply), 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 introduced effective from 29 March 2018.  Essentially the tax will mean that residential investment properties will be taxed on capital gains, if they are sold within five years of purchase. Prior to 29 March 2018 the "Bright line" period was 2 years. We always suggest you should seek professional advice from your tax adviser or Accountant and Lawyer before entering in to any property transaction.

Interest rates and mortgage products change, your circumstances and investment priorities may too. We 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 – Sam, Anthony or Rob will get in touch to discuss your options.

Mortgage First
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