While the idea might feel familiar, higher deposit requirements and different lending criteria are just some of the extra layers involved.

That’s where a mortgage adviser comes in.

At Mortgage Link, we’re here to help you navigate these complexities with confidence – so your investment is both affordable today and sustainable for the long haul.

Why work with a mortgage adviser?

To make the most of your property investment, it’s crucial to get the right mortgage, structured the right way.

As mortgage advisers, we work for you – not the bank. That means we can provide personalised advice, compare options across a wide range of lenders, and build a strategy tailored to your goals.

Here’s what that looks like in practice:

• We help you understand lender requirements – including how much deposit you’ll need, how rental income is assessed, and how your current financial commitments affect your borrowing capacity.
• We present a full market view – so you’re not limited to a single lender’s offering. More options mean more chances of finding the right fit.
• We create a mortgage strategy that reflects both your current circumstances and future plans – whether that’s building a property portfolio or generating passive income for retirement.

We can also collaborate with your accountant or financial adviser to ensure your investment plan is cohesive and well thought-out.

Structuring your mortgage: why it matters

When it comes to property investment, how your mortgage is structured can be just as important as the rate you get.

For instance, measure the pros and cons of each type of structure like offset vs fixed rate vs floating. At Mortgage Link, we’ll help you understand:

• Whether interest-only is a good fit for your goals and financial position.
• How to prepare for changes in income or market conditions.

The aim is to avoid short-term wins that lead to long-term stress. We’re here to help you stay ahead of the curve.

Rate strategy: fix, float or a mix?

With a personal mortgage, it’s common to focus on “what’s cheapest today.” But when you’re investing, rate strategy becomes more nuanced.

We can help you:

• Weigh up fixed vs floating rates, based on your risk tolerance and cash flow needs.
• Explore split-loan structures to average out interest rate movements.
• Make sure you consider the rate rules and your future plans, so that you don’t choose a structure that will limit your opportunities with the investment property.

Most importantly, we’re here for the journey, every step of the way.

Planning for the what-ifs

Investing in property comes with variables. What if interest rates rise faster than expected? What if your personal income drops? What if your property sits vacant for longer than planned? And what if you want to buy again soon?

As mortgage advisers, we can model different scenarios and help you prepare for them. That way, you’re not caught off guard and your investment strategy stays on track, even if life throws you a curveball.

You don’t have to do it all alone

Buying an investment property is a big step, and you need all the professional help you can get.

A Mortgage Link adviser can be part of your support team – a long-term partner who understands your goals, helps you manage change, and checks in regularly to make sure your lending structure still fits your needs.

If you’re thinking about stepping into property investment, or already own a rental and want to review your mortgage, get in touch. We can assist you in building a plan that works for you now and in the future.

Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Please visit https://mortgagelink.co.nz/available-disclosure/ for more information and Disclosure information.