Property Investment Service

One of the most popular and historically proven investment options is residential property. Whether you are a first-home buyer, a first-time property investor, or have an existing property portfolio – we are happy to help.
Buying your first home? Looking to take the next step and invest? Want to expand your portfolio? Talk to an expert today.
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Property Investment Services New Zealand

Why Should I Invest In The New Zealand Property Market?

Unlike intangible assets, property investment offers advantages through tangible ownership and control, backed by a history of steady 6% annual growth. Stability, leverage benefits, passive income potential, and strong bank support make it a standout choice.

Property is Tangible
Compared to other investment options, property is a tangible asset, meaning it can be touched, seen and used. Tangible investments are often considered more concrete and real as opposed to stocks or shares. Property also offers direct ownership, allowing for more control and peace of mind due to reduced risk of fraud or theft.
Property is Stable
Historically, over extended periods of investment, real estate tends to exhibit reliable and foreseeable returns. Data from REINZ indicates that property has consistently yielded an average annual capital growth of approximately 6%. Housing is a necessity and as population increases, the demand for property continues to grow.
Property is Leverageable
The key benefit of property investment is the power of leverage, allowing you to profit from other people’s money, typically from banks or second tier lenders. In certain situations, you can borrow the entire purchase price while keeping all the gains for yourself.
Property Can Provide Passive Income
While managing a property requires some level of oversight, it can be relatively passive compared to running a business or actively trading. Property management services can manage day-to-day tasks, taking more off your plate and reducing your workload. As equity is paid down, an investment can be positively geared, creating a stable income stream. Rental income and capital growth are provided by property over time.
Property is Bankable
Traditionally, residential property investment has been favored by banks in New Zealand. With a unique approach, these banks are willing to finance property purchases up to 100% of their value, subject to individual investor circumstances. This is not a possibility for alternative investment options hereby allowing a significant opportunity for prospective investors.

How does property investment work?

Strategic Residential Property Investment

Residential property investment is generally a buy and hold model, leveraging gradual gains to grow your wealth over time. We will work with you to understand your short, medium and long-term goals to identify your overall strategy which could be from the following:

High Yield, Low Capital Gain

Buying properties that generate awesome rental income compared to the purchase price. With good cashflow, you should receive regular income after property expenses.

Low Yield, High Capital Gains

Focusing on long-term growth and less on rental income. Aiming to maximise profit via the property value appreciating.

A Mixture Of Both

Achieving a balance through a mixture of rental income and capital appreciation taking place on your investment to make it sustainable as an investor to carry the associated costs.

Property Investment Services

How Can We Help?

Leverage from our team of financial advisers that are experts in property and finance to obtain mortgages,  debt structuring and insurance offerings tailored to your financial situation.

We have access to:

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Relationships with top real estate agents, with access to a range of available properties that are on or off the market to cater to your specific requirements.
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A wide range of contacts offering new properties for sale throughout the main cities across New Zealand
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External specialised property solicitors and accountants
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Links to reputable property management companies across New Zealand to look after your asset

How do I get started?

Our Property Investment Process

Step 1

Determine Your Position – Debt Servicing and Equity Position

One of our financial advisers will work with you and establish your financial position, goals and objectives. During this meeting, various options will be explored based on your current situation and future endeavors.

Step 2

Specify Your Buying Preference and Start Searching

Discuss investment options and establish preferences - location, size, age, usage and growth opportunity.

After clarifying your property parameters and finance, you will be introduced to external professionals that we know and trust in their respective avenues.

Step 3

Take The Leap

Once you have selected the right property for you it is time to place an offer. Your solicitor will guide you on how to make this once the Sale and Purchase has been reviewed and amended if needed by the professional.

Is it better to buy a new or existing house?

What is considered a new build property?
By definition, a new build is a property that is being built or has been built and settlement has taken place within six months of Code of Compliance being issued. These are purchased via the developer or real estate agent and haven’t been preowned or on-sold. They are normally but not limited to residential lots such as townhouses, apartments or free standing homes and are turnkey or progress payment models via fixed price contracts. 
What is considered an existing property?
An existing property, also known as a resale property, is one that has been previously owned by someone else. Existing property does not necessarily mean old, any property older than six months post Code of Compliance being issued is classed as existing and therefore doesn’t fit the New Build criteria. 
Why buy a new build?
The ultimate benefits are that it’s a new home that has a 10 year builders warranty and has no wear and tear from previous owners. Banks are also favourable when lending on new builds as they fall outside of the RBNZ rules for loan-to-value ratios and debt servicing requirements. This may mean you only need a 10% deposit for a new build, rather than the traditionally imposed 20-40% deposit, whether it’s a house you live in or rent out. New build properties will also be fitted out with the latest and greatest fittings, fixtures, and materials. These homes will have to be equipped to deal with the latest requirements imposed for building standards and by the government – healthy homes standards. If you are looking for an investment property, a new home could attract great tenants along with stronger yields and tax exemptions which currently aren’t applied to existing properties. A new build is becoming an affordable and very attractive offering for home owners and investors, with access to government grants, use of Kiwisaver and RBNZ guided rules on relaxed credit policies, deposits and tax exemptions.
Why buy an existing property?
These properties are often located in established neighbourhoods with existing amenities, community dynamics and transport lines. The key factors of existing properties are land size and character. Depending on the time period the property was built, it may feature unique architectural characteristics, historical significance or other traits that may not be present in new properties. This will also make them attractive when reselling. Lastly, existing properties generally provide opportunity to bank land and add value in tangibles ways to increase the property growth and value over time.
Buying off the plans – what does this mean?
Buying property ‘off the plans’ involves purchasing a property that is yet to be constructed. Generally the details of this property will be conveyed using rendered designs and specified information often in an information or sales pack. The materials to be used, fixtures and landscaping will be included in this pack. This option offers affordability and flexibility for both aspiring homeowners and savvy property investors. The most common process to purchase these properties is called a turnkey. This is where a deposit is paid upon going unconditional upfront and the remaining balance is to be paid on settlement via cash and or mortgage when the Title and Code of Compliance Certificate has been issued and the keys are handed over to you as a completed home. We call this plug and play method.

Property Calculators

Use these calculators to streamline the management of your property portfolio.

Cashflow Calculator

Understand what a property will yield you in income or whether it requires topping up. Simplify the computations of your investment property with our Cash Flow Calculator. This tool streamlines the process, enabling you to effortlessly calculate and refine your property’s cash flow.

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Cashflow Calculator

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Capital Growth Calculator

Explore the potential growth of your property investment with our Capital Growth Calculator. This dynamic tool allows you to forecast and plan for the appreciation of your property’s future value over time including allowance of additional properties within your portfolio.

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Capital Growth Calculator

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Your Property's Value

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Own more than one property? Click add to enter more details.

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