Property Investment Lending

Property can be a significant part of a long-term investment strategy. As property investing laws change often,  it's a good idea to talk to an adviser before you make your first, or next investment property purchase.

Property Investment Lending

Lending support for property investors

Equity & deposits

Support to help you understand how much you can borrow and how equity can be used toward a deposit.

Loan structures

Guidance on loan structures, such as interest-only or offset, and how these work in an investment context.

Interest only loans

Help for understanding interest only lending and how this may affect cash flow in the short term.

Taxes & ownership structure

Guidance on ownership and trust considerations, and how these can interact with your tax and investment objectives.

How we work with you

We work with you throughout your investment property journey to help you understand your options and prepare for the buying process.

Reviewing your finances before you buy

If you are investing in property for the first time, we can work with you to review your financial position and understand how a purchase may affect your overall situation.

Working together early allows us to help you understand lender expectations and how your finances are assessed as part of the lending process.

Understanding lending structures

Different loan structures can affect cash flow and risk over time. Options may include interest-only, offset, revolving credit, or split loans.

We can help you understand how these structures work and which options may be suitable for your circumstances.

Leveraging equity in your home

In some cases, equity in an existing property may be used as part of a deposit, which can involve refinancing or restructuring lending.

We can help you understand how equity may be accessed and engage with lenders as part of the process.

Reviewing your investment strategy

If buying an investment property forms part of a wider investment strategy, we can connect you with our financial planning, investment and insurance advisers for a 360-degree approach to your finances.

WHO WE WORK WITH

Basecorp logo
Bank of New Zealand logo
Asteron life logo 1
ASB logo
Anz
AIA Logo 2
AIA Logo 1
Uni Med 1

Hear what our clients are saying

We recently had FoxPlan’s help to secure our mortgage. The team were really helpful, knowledgeable and got us some competitive rates. Most importantly the team was really responsive and kept us really well informed. We felt like we were in safe hands. Highly recommend FoxPlan to anyone who’s wanting to take some of the stress out of buying a home.
— Sohini Morrison
Excellent service. I've had several financial advisors and FoxPlan are the only ones to engage in planning with me. We've set proper goals and measurements. Rather than taking my money and tossing me a cookie cutter plan. Can't recommend FoxPlan enough.
— Excelsior
We are so grateful to Stephan for sharing his passion of helping others to realise their life goals. We really appreciate his skill, patience and humour while providing invaluable guidance and clarity in regard to our finances, investments, insurance. We would have been lost without him. Highly recommended.
— Markus Giess
We received fantastic service from Foxplan, they have very efficient and smart team, they took care of the end to end process of arranging finance for our new home in the best possible rates in the market followed by a very efficient repayment plan that suites our goal. They also helped us with other products like insurance, kiwisaver etc and made sure that we were getting maximum benefit for our investments.
— Tarun Acharya
I am a first home buyer, I had no clue of the process of buying a house in Wellington and what it involves, Divya explained everything and worked so hard in finding me an affordable mortgage. I am extremely grateful to her. Divya provided updates on the progression of my mortgage application. I would highly recommend her, specially because of her responsiveness!
— Vishu Pise
Stephan and his team were extremely helpful and professional. They were able to help me find a mortgage structure that suits my needs, and were very effective in communicating the home buying process. Highly recommended, especially for first home buyers who may need a bit of extra guidance.
— Alastair Foster
Foxplan has been so helpful since I was first introduced firstly to Warwick & Heidi & more recently Stephan & Mark. Each one has explained financial dogma so that I can understand what is happening. I’ve had a peace of mind knowing they are knowledgeable & working hard on my behalf.
— Janice Hopkins

Book a Discovery Call

Select a time that works for you to speak with one of our advisers.