Investment Property Lending That Sets You Up to Grow
Buying your first rental or growing a portfolio? We’ll find the right lending structure and get you the best deal across the market.
The Right Lending Structure Makes Property Investment Work​
How your lending is structured matters as much as the property you buy. The wrong setup can limit your ability to grow, reduce your returns, or create problems down the track.
At Core Path Protection, we understand property investment, and we work to make sure your lending is set up correctly from the start.
Whether You Are Starting or Scaling Up
First-Time Investors
Not sure how investment lending works or what lenders are looking for? We will walk you through how investor loans differ from standard home loans, calculate what you can borrow, and structure your first investment loan in a way that keeps your options open as you grow.
Growing Your Portfolio
If you already own investment property and want to keep growing, your existing loan structure will determine how far you can go. We will review your current lending, identify opportunities to release equity, and position your next application with lenders who have a strong appetite for property investors.
Use Your Existing Equity to Fund Your Next Purchase
If your home or existing investment property has increased in value, you may already have the deposit for your next purchase sitting in your equity. We will calculate how much you can access and structure the borrowing so your existing position stays protected.
Lenders require a minimum level of equity to remain in your home after the borrowing, and we will make sure that is factored into how everything is set up from the start.
It is one of the most effective ways for Auckland investors to grow their portfolios without saving a full deposit from scratch.
How CorePath Financial Supports Property Investors
Investment lending is assessed more strictly than owner-occupier home loans. Investor rates are typically higher, and the structure of your borrowing directly affects your returns and your ability to keep buying.
We will help you assess the full cost of owning an investment property, including mortgage repayments, rates, insurance, maintenance, and management fees, so you have a clear picture of your cash flow before you commit.
We compare investor rates and loan structures across the market, including interest-only options that can improve your rental cash flow, and match your application to lenders who are actively lending to investors.
We structure your loans to keep your portfolio and personal finances appropriately separate, protect your existing assets, and leave room for your next purchase.
Where your investment has tax implications, such as deductible interest or the bright-line test, we will flag these and recommend you speak with an accountant to make sure everything is set up in your favour.
Frequently Asked Questions
Most lenders require a minimum deposit of 35 per cent for investment properties. If you have equity in your home or existing investment property, this can be used as part of your deposit.
Yes. If your property has increased in value, you may be able to access that equity as a deposit for your next purchase. We will calculate how much you can release and structure the borrowing so your existing position stays protected.
Investor loans are assessed more strictly. Interest rates are typically higher, deposit requirements are larger, and lenders look closely at your rental income and overall financial position.
Yes. Interest-only lending is available for investment properties and can improve your rental cash flow by reducing your monthly repayments. We will help you weigh up whether it suits your situation.
Yes, but not at face value. Most lenders apply 70 to 75 per cent of your expected rental income when calculating borrowing capacity to account for vacancy periods and ongoing expenses.
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Ready to Build Your Property Portfolio?
Property investment is a long-term game, and getting the lending right from day one puts you in a much stronger position to keep growing. Speak with Core Path Protection, and we will help you get set up correctly from the start.