Investment Strategy Guide

    Buy Investment Property with Your Equity

    Leverage your existing property equity to build your investment portfolio. Understand the key differences between new builds and existing properties.

    ANZ, ASB, BNZ, Co-operative Bank & a Wide Panel of Non-Bank and Specialist Lenders

    We are accredited with ANZ, ASB, BNZ and Co-operative Bank, and a wide range of non-bank and specialist lenders. Where your needs would be better served by a lender we are not accredited with, we will tell you.

    ANZ
    ASB
    BNZ
    Co-operative Bank
    Avanti Finance
    Basecorp Finance
    CCB
    Cressida Capital
    DBR Property Finance
    Fico Finance
    Finbase
    First Mortgage Trust
    Funding Partners
    General Finance
    Gold Band Finance
    Go Lend
    Heartland Bank
    ICBC
    Liberty
    Metro Finance
    Oxford Finance
    Pallas Capital
    Peppermoney
    Pioneer Finance
    Property Funding
    SBS
    Simplify
    Southern Cross Partners
    Strata Funding
    Unity
    XCEDA
    Zagga
    ASAP
    Bizcap
    Get Capital
    Prospa
    ANZ
    ASB
    BNZ
    Co-operative Bank
    Avanti Finance
    Basecorp Finance
    CCB
    Cressida Capital
    DBR Property Finance
    Fico Finance
    Finbase
    First Mortgage Trust
    Funding Partners
    General Finance
    Gold Band Finance
    Go Lend
    Heartland Bank
    ICBC
    Liberty
    Metro Finance
    Oxford Finance
    Pallas Capital
    Peppermoney
    Pioneer Finance
    Property Funding
    SBS
    Simplify
    Southern Cross Partners
    Strata Funding
    Unity
    XCEDA
    Zagga
    ASAP
    Bizcap
    Get Capital
    Prospa

    Our full lender panel is disclosed in our Public Disclosure document.

    New Build vs Existing Property

    Understanding the deposit requirements and advantages of each option helps you make the right investment decision.

    RECOMMENDED

    New Build

    Modern investment advantage

    20%

    Deposit Required

    • Lower deposit means more buying power
    • DTI exempt from RBNZ restrictions
    • 100% interest deductibility (April 2025)
    • Lower maintenance (~0.5% of value/year)
    • Healthy Homes compliant from day one

    Existing Property

    Established market option

    35%

    Deposit Required

    • Established locations with proven rental demand
    • Immediate rental income from day one
    • Renovation potential to add value
    • Higher maintenance (~1.5% of value/year)
    • Subject to DTI limits (7x for investors)

    How Equity Investing Works

    1. Unlock Equity

    Your home equity (80% LVR minus mortgage) becomes your deposit source

    2. Check Serviceability

    We assess your income capacity using DTI and stress-test calculations

    3. Build Portfolio

    Strategic property selection to maximize cash flow and growth

    Portfolio Equity Calculator

    Calculate your usable equity and discover your investment purchasing power.

    Investment Property Calculator

    Analyze cash flow, yields, and compare up to 3 properties side-by-side.

    Ready to Build Your Investment Portfolio?

    Book a free strategy session to discuss your equity position, serviceability, and investment options.