Property Investment Lending NZ

Property Investment Lending

Almost nobody stalls on the deposit. They stall on servicing. Equity keeps building, the numbers still look fine on paper, and then a lender says no for reasons that do not seem to relate to the property being bought.

Usually the wall arrives at the third or fourth purchase. Rental income is not counted at face value, debt to income limits bind before loan to value does, and everything sitting with one lender means one lender's policy decides your whole portfolio.

What advice covers

Borrowing capacity across the whole portfolio, not one purchase at a time
How lenders treat rental income, and why the figure they use is lower than the one you receive
Where debt to income limits bind, and how that differs from an LVR constraint
Structuring loans across multiple properties and, deliberately, across multiple lenders
Ownership structure, personal, trust, look-through company or company, and what each does to your lending
How loan structure affects interest deductibility
New build exemptions and what they open up
Interest-only against principal and interest across a portfolio rather than one loan
Stress testing what you hold against rate movement before a lender does it for you