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Investment Property Lending.
I get it. Investment properties are complex these days. I’m here to guide you through the ever-changing requirements.
An investment property is the Kiwi dream.
While many countries around the world invest mainly in shares, New Zealanders prefer investing in property. It’s a tangible investment – one you can drive by and see. Historically, residential investments have performed well in terms of capital gains.
I’ll help you think about...
With ever-changing rules and regulations, it can be difficult to know what property investment means for you. Lendal Mortgages is here to guide you through changes – including loan to value ratio (LVR) requirements and the differences between buying an investment property on your own, with a spouse or maybe your business partner.
The lending can be complex.
- Will the rental cover the loan (principal and interest) ?
- How you can get finance if the rental won’t cover the loan.
- How the bank will assess your rental property.
- Do you need a property manager? And how do they charge?
- What happens if your tenant leaves?
- How to structure your loan.
- Should the loan be through a trust / Look Through Company (LTC) / personal names?
- What guarantees will the bank ask for?
- Will the purchase affect your future borrowing capacity?
- How many investment properties are required before the loans get treated as commercial loans.
Want to know how I can support you with your new build & construction lending?
Tricks, tips and general info is good. But tailored advice is better