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Property Investment

Property Investment text

Grow Your Home Portfolio Not Your Stress Levels


Property investment is the single largest form of investment in New Zealand and part of Kiwi culture. Successful property investing calls for careful planning. You need to find the right property which will secure your financial future. To do this you need to seek expert financial advice to understand the financial commitments involved with an investment property to ensure you achieve the best results.

Property investment can be a rewarding experience if you are looking to achieve one of these objectives:

Build your future income

Rental Income from investing in a property can help you build your overall income if you don’t want to rely on your own salary / business income or superannuation income in the long run.
 

Make profit from growth in property value

If the property market is booming and values of the property are going up every year, you may want to invest in property with the intention to sell it after few months or years and use the growth in the value of the property as profits.

Diversify your investment options

As an investor, you may be looking to spread your risk and apart from investing in stocks, bonds and bank deposits, investing your money in property is a good option to diversify your risk.
 

Get better returns than stocks in long run

As an investor if you are looking to get a better return from your money, investing in a property which grows rapidly in value and selling it off after a time can give you a better bang for your buck than stocks or bank deposit.

Secure your children’s future

There is an ongoing demand for property as New Zealand population is growing and housing supply remains tight. The prices of houses are continuously rising and to help your kids in future to get a foot on the property ladder, you may want to invest in property now so your kids have a helping hand when they grow up.
 

100% Loan to purchase investment property

Depending on the value of the equity in your current home, bank may approve you 100% loan towards the purchase of the investment property. This can take place provided the total loan on your current property and new investment property does not exceed more than 80% of the combined market value of the current property and new investment property.

Equity or Cash Deposit

Whenever you purchase a property you will need to put some deposit from your side towards the purchase of the property. The deposit typically needs to be 20% of the purchase price of the property.

This deposit can come in two ways: either through cash deposit from your side or by using the equity in your current home. Home equity' is the difference between what your property is worth today in the market and the present home loan on the property. The beauty of home equity is that it can let you purchase your ideal investment property without a substantial pool of spare cash.
 

Take advantage of tax incentives

Luckily in New Zealand, government does not tax you if you make a profit from selling a property as long as you don’t do it as a profession. Also in some cases, holding onto a property over long term can help you pay less tax on your personal income. These tax incentives are pretty attractive for anyone to invest in the property market.

Investing in a property requires you to pay some deposit from your side towards the property purchase and take the remaining difference in home loan from the bank.

How GFS helps you get started in property investment

 
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Choose the Lender with the best offer
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Increase returns by securing competitive interest rates

We will go to multiple lenders at the same time for you to ensure you have the choice and flexibility to choose the lender that is right for you.

By engaging with multiple lenders, we negotiate the lowest possible interest rate for you to ensure your interest costs are low and you can get the maximum return from your rental investment.

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Secure maximum loan approval and increase your options
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Get the additional purchase costs refunded

In a competitive housing market, we negotiate the maximum loan amount possible from the bank to ensure you can purchase the rental property you desire.

We negotiate with the banks a high cash contribution on the new loan to ensure you can easily cover any valuation, building inspection, or solicitor cost you incur during the process. 

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Plan with taxation
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Correctly structure your loans

In some instances, it is possible to get tax benefits if you correctly structure the loan on your rental investment property. We can guide you in this area to ensure you have the right tools and expertise to take advantage of these benefits.

Often taking an additional loan to purchase a rental property can put a stress on your ability to pay off the loan on your own property as quickly as possible. We advise you on how to structure the loan for your rental property so you can still repay the loan on your property in shortest time possible.

Services

  • Mortgage Brokering
  • Mortgage Restructuring
  • Insurance Brokering
  • Annual Mortgage and Insurance Review
  • Calculators
   

Visit Us

Monday - Friday 9:00 AM - 7:00 PM
Saturday 12:00 PM - 6:00 PM

Kudos Business Centre,
19-22/203 Kirkbride Rd,
Airport Oaks,
Auckland, New Zealand 2022