Investing in Property
Investing in Property
Whether you’re buying your first rental or adding to a growing portfolio, the right lending structure can make a big difference to your cash flow and long-term returns. At Mike Whittaker Mortgages, we help investors find finance that fits their goals and work with a wide range of banks and lenders to get the best result.
How we can help
Your first investment property. We’ll show you how to use the equity in your own home toward a deposit, so you may not need to save cash for one.
Growing your portfolio. We’ll help you structure your loans so you have room to keep buying.
Loan structure. Splitting loans across fixed and floating rates and keeping your home and rental lending separate can save you money and give you flexibility.
Choosing a lender. Banks have different rules for investors. We know which lenders suit your situation and can approach them on your behalf.
New builds and renovations. We arrange finance for new builds, developments and properties that need work.
Things to consider before you buy
Rental yield, and whether the rent will cover the mortgage and costs
Ongoing costs such as rates, insurance, maintenance and property management
Tax rules for investment property (we recommend speaking with an accountant)
The type of title, location and long-term growth potential of the property
Talk to us before you buy
Every investor’s situation is different. Book a free consultation and we’ll work out how much you can borrow and the best way to structure your lending.
📞 021 579 324
