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Achieve the lifestyle you want, through strategic investment in property.

Speak to an Adviser today about Property Investment and designing a plan to achieve your wealth goals.

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Residential Property Investment is embedded in the kiwi mindset as a trusted means to create wealth and secure a financial future.

Why Property Investment? 

  • Property is tangible – concrete investment with direct ownership allowing for more control opposed to stocks to shares.
  • Property is stable – The demand for property continues to grow. Data from REINZ indicates that property has consistently yielded an average annual capital growth of approximately 6%.
  • Property is leverageable – allowing you to profit from other people’s money, typically from the bank.
  • Property can provide passive income – As debt 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 – banks can be willing to finance property purchases up to 100%

Got more questions about Property Investment?

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Understand more about Property Investment in our guide
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Where are we on The Property Cycle?

After the August 2024 OCR cut announcement we now sit at stage 7 on the Property Cycle making it a great time to buy.

What does this mean for you?

  • Lower interest rates reduce the cost of borrowing for people. Potential buyers can now afford to borrow more money for the same monthly payment, making it more achievable to purchase a property, stimulating the property market.
  • If you are ready to purchase a property; a home to live in or an investment property, now is a great time to buy whilst it’s still a buyers market with lots of property listings.
  • If you are a homeowner with an existing mortgage, speak to your Adviser about refinancing your loan to take advantage of the lower rates, potentially reducing your monthly payments or pulling out equity from your home.
  • Great for first home buyers! With lower borrowing costs, securing the loan amount you want might now be achievable, enabling you to jump on the property ladder sooner. Want to learn more about the First Home Buying process?
DOWNLOAD THE FIRST HOME BUYERS GUIDE

Can I afford to invest in property?

Work out your typical cashflow by using our Investment Property Calculator:

Cashflow Calculator*

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Get a proper idea of what’s possible with our Mortgage Calculators

START NUMBER CRUNCHING

If you're a current home owner, you could leverage the existing equity in your home to purchase an investment property often without needing a deposit.

READ THE BLOG TO LEARN MORE

Example

The benefits of investing in residential property in NZ

There are different property types to choose from when considering a purchase. The most common types are a New Build or Existing Property.

New Build

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.

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.

How can Properli help you through your Property Investment journey?

Our experienced and trusted Advisers provide financial advice, do the heavy lifting securing lending, access the most competitive insurance cover, can find you a property to purchase and guide you through the buying process.

We have a simple 5 step process

  1. Discovery & goal setting
  2. Strategy
  3. Lending structure and recommendations
  4. Implementation
  5. Review and update
LET’S GET STARTED

Properli can support with a variety of different services

Financial Advice

Start your journey with a proper Financial Adviser.

Book with an Adviser

Mortgages

Whether you’re a first home buyer, an existing homeowner needing to refinance, or self-employed looking for lending advice Properli Advisers will design solutions and pathways to achieve your property ownership goals.

Find out more

Insurance

Get personalised advice and options to protect your assets, income, investments, and lifestyle from unforeseen changes that could impact your journey to financial freedom.

Find out more

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Investment Property and Getting a Mortgage in NZ

Investment property is a great way to generate passive income and build wealth over time. However, buying an investment property and getting a mortgage in NZ requires a significant amount of upfront capital (sometimes up to 40% or more), as well as a good understanding of the mortgage and local property market.

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Step-by-step guide to becoming a property investor in New Zealand

If you bought a property now for $500,000 and it increased in value by just 5% a year, guess how much it’d be worth in 5 years? $638,000, and in 10 years it’d be worth $814,000. Here is how you can create wealth through proven and tangible property investment. 1. Set goals

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Got more questions about Property Investment?

LEARN MORE
Understand more about Property Investment in our guide
DOWNLOAD GUIDE
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Get informed about investing in property, properly!

Our Property Investment guide explains property types, ownership structures, landlord obligations and regulations that you need to know.

Download our First Home Buyers Guide

This guide helps you understand what it means and takes to get a mortgage approved and an overview of the property purchase process to get you to property ownership sooner.