Property Investment Specialist

Grow your portfolio with the right lending structure

I help property investors structure their lending across multiple lenders - maximising borrowing power and protecting your assets.

Structure lending to work in your favour, not the bank's
Maximise borrowing power for your next purchase
100% free - I'm paid by the lender, not you

Book Your Free Strategy Chat Call 021 741 417

Free 30-minute consultation · No obligation

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Why Investors Work With Me

Building a portfolio takes more than just finding a rate

Investment lending is more complex than a standard home loan. I make sure your structure sets you up for growth.

Smart Lending Structure

How your loans are structured matters more than the rate alone. I'll set up your lending so each property stands on its own - giving you flexibility and protecting your assets.

Maximise Borrowing Power

I know which lenders are most favourable for investors, how they assess rental income, and how to position your application to unlock maximum borrowing capacity.

Protect What You've Built

Cross-security, blanket mortgages, personal guarantees - banks use these to protect themselves, not you. I'll make sure your security structure works in your favour.

How It Works

From strategy to settlement

Whether it's your 2nd property or your 10th, I'll tailor the approach to your situation.

Strategy Chat

We discuss your current portfolio, goals, and where you want to be. I'll identify opportunities and flag potential issues.

Portfolio Review

I review your existing lending structure, security positions, and assess your borrowing capacity for the next purchase.

Lending Plan

I build a lending strategy - which lender, what structure, how to position equity - tailored to your investment goals.

Execute & Grow

I manage the application and settlement, then stay in touch to review your portfolio as you continue building.

Investment Lending Essentials

What I help property investors navigate

Investment lending has different rules and challenges. Here's where I add the most value.

LVR Rules for Investors

Investment properties typically require a higher deposit than owner-occupied homes - usually 30%. I know which lenders have the most flexibility and how to structure things if you're close to the threshold.

Security Structuring

Banks love cross-securing your properties - it protects them, not you. I'll structure your lending so each property is as independent as possible, giving you more control and flexibility.

Rental Income Assessment

Different lenders assess rental income differently - some use 75%, others use higher percentages. I know which lenders will give you the best serviceability calculation for your situation.

Multi-Lender Strategy

Spreading your portfolio across multiple lenders can increase your total borrowing power and reduce risk. I'll advise on when this makes sense and manage relationships with each bank on your behalf.

Client Stories

Investors I've helped build portfolios

Real stories from property investors I've worked with.

"I'm self-employed with irregular income, which banks don't love. Hunter knew exactly which lenders would work with my situation and structured my lending so I could pick up my third investment property. He made it look easy."

Craig

Property Investor · Self-employed builder

"Hunter restructured our lending across two banks, which freed up equity we didn't even know we had. We went from thinking we were maxed out to buying our fourth property within six months."

Andrew & Lisa

Property Investors · Multi-property portfolio

Common Questions

Questions property investors ask me

Straight answers on investment lending in NZ.

Generally you need a 30% deposit for investment properties under current LVR rules. However, if you have equity in existing properties, that can often be used instead of cash. I'll assess your full position and show you exactly what's available to you - sometimes clients have more equity to work with than they realise.

Often yes. Different banks have different lending appetites and serviceability calculations. Spreading your portfolio can increase your total borrowing capacity and reduce the risk of one bank having security over everything. I'll advise on the best split based on your specific portfolio and goals.

Cross-security is when a bank holds multiple properties as security for your loans. This gives them more control - if you run into difficulty on one property, they can potentially force the sale of others. I structure lending to minimise cross-security wherever possible, giving you more control and flexibility to sell, refinance, or restructure individual properties independently.

Yes - investor rates are typically close to standard rates, and with the right LVR position you can access the same specials as owner-occupiers. I negotiate across all major lenders daily and know exactly who's offering the most competitive investor rates at any given time.

It can be more complex, but it's absolutely doable. Different lenders assess self-employed income differently - some want two years of financials, others are more flexible. I know which lenders are most accommodating for self-employed investors and how to present your income in the strongest way possible.