Property investment is one of New Zealand’s most reliable long-term wealth strategies, but the key to success is having the right lending structure behind you.
At Genesis Mortgages, we help new and experienced investors secure smart, flexible, and strategic lending solutions that support long-term growth.
Investment lending is more complex than a standard home loan. Between LVR restrictions, interest deductibility rules, and bank policies on rental income, where you place your loan matters as much as the property you buy.
We do not just arrange a mortgage. We build a scalable investment strategy that can support your growth from your first rental to a multi-property portfolio.
We analyse how banks shade rental income, usually counting 65 to 80%, to help maximise your borrowing power.
We show how the value in your current home may be used as a deposit for your investment property.
We work alongside your accountant so your loans are structured with interest deductibility in mind.
We guide interest-only versus principal and interest options to help manage investment cashflow.
We provide specialist lending options when traditional banks are not the right fit.
We help design a structure that supports future purchases and portfolio expansion.
Equity is the foundation of most New Zealand investment strategies.
If your home is worth $800,000 and your mortgage is $500,000, you may have up to $300,000 in usable equity.
This equity can often act as the full deposit for your investment property.
You may not need cash savings to get started if your usable equity is enough to support the deposit.
We assess how different lenders view your equity, income, rental projections, and servicing position.
The right structure can improve cashflow, reduce tax pressure, and increase future borrowing power.
Designed to maximise cashflow and flexibility for future purchases.
Helps reduce interest costs while keeping funds accessible for renovations or deposits.
Balances fixed-rate stability with the ability to pay down debt faster.
We discuss your long-term goals and assess your total borrowing power.
We calculate exactly how much usable equity you have in your current properties.
We analyse rental income shading and investor policies across multiple banks.
We tailor a loan structure, such as interest-only or principal and interest, to fit your cashflow needs.
We prepare a professional case for the lender to secure the strongest approval available.
We stay with you long after settlement to help plan your next acquisition.
Most lenders require a 35% deposit for investment properties, but this can often be covered entirely by the equity in your home.
Most lenders use between 65% and 80% of the projected rent to calculate your ability to service the loan.
Yes. Cross-collateralisation or separate lending can be used to scale your portfolio.
Rules vary depending on property type, such as new builds versus existing properties. We provide clarity on how this affects your lending.
Let’s build a scalable investment strategy tailored to your future. Genesis Mortgages helps investors across New Zealand build wealth through property.
View our Google Reviews and see how Genesis Mortgages has supported investors across New Zealand.
We compare options across a wide network of trusted lenders to help you secure the right loan structure for your goals.
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