Trusted Partner for Buying an Investment Property
Buying an Investment Property
At The Advice Group, we’re here to help you go further—whether you’re buying your first investment property or building on an existing portfolio. We specialise in structuring tailored lending solutions that align with your financial goals, risk profile, and long-term strategy.
Buying an Investment Property
Smart lending strategies for growing your property portfolio.
At The Advice Group, we’re here to help you go further—whether you’re buying your first investment property or building on an existing portfolio. We specialise in structuring tailored lending solutions that align with your financial goals, risk profile, and long-term strategy.
Property investment is a powerful way to build wealth in New Zealand. But to do it successfully, you need more than just a bank loan—you need expert advice, the right loan structure, and ongoing support. That’s where we come in.
Start your investment journey with expert advice
Buying an Investment Property
Your Step-by-Step Guide to
Buying an Investment Property
Step 01
Work Out Your Deposit Strategy
Investment properties typically require a 20% deposit for new builds and 30% deposit for existing properties under current Reserve Bank rules. We’ll help you explore all your options:
- Using existing equity: If you already own property, you may be able to leverage your equity to avoid tying up cash
- Joint ventures: Partnering with a friend, family member or business partner can reduce your upfront burden.
- Savings or other funding: We can help you assess whether your current financial position supports an investment and what additional steps might be needed.
At TAG, we don’t just look at what the banks allow—we look at what you want to achieve and tailor the deposit strategy accordingly.
Not sure where your deposit will come from? Let’s explore your options together
Step 02
Clarify Your Investment Plan
Before you buy, you need a strategy. Ask yourself:
- Are you aiming for long-term capital growth, cash flow, or both?
- Are you interested in buying and holding, renovating and flipping, or optimising yield for retirement?
- What type of property fits your plan—residential, multi-unit, or commercial?
We’ll work with you to map out a clear, achievable plan that aligns with your goals—then we structure the lending to support it.
Need help defining your strategy? Speak with an investment adviser
Step 03
Structure Your Lending with a TAG Adviser
Getting the structure right is where the real value of working with TAG comes in. We help you:
- Select the right loan type—interest-only, principal & interest, revolving credit, or a combination
- Balance fixed vs floating rates
- Maximise tax efficiency (in consultation with your accountant)
- Maintain financial flexibility to scale your portfolio over time
We liaise directly with lenders to get your loan pre-approved quickly and efficiently—so you can move fast when the right property comes along.
Secure smarter lending with TAG – Request a personalised loan structure
Step 04
Make Sure the Numbers Work
When it comes to property investment, it’s about numbers—not emotions. We help you make sure the property is acceptable to lenders and aligns with your investment goals, whether that’s capital growth, strong rental yield, or a renovation-and-flip strategy.
We’ll help you assess:
- Whether the property stacks up financially (gross and net yield, ongoing costs, etc.)
- Long-term capital growth potential
- Suitability for your strategy—low-maintenance rentals, growth suburbs, or renovation projects
Not sure where to look or what to prioritise? Our team can connect you with trusted property professionals, buyers’ agents, or property managers to help with due diligence.
Want help making sure the numbers work? Book a strategy session with TAG
Step 05
Make Your Move with Confidence
Once you’ve found the right property, we ensure you’re ready:
- Your pre-approval is still valid and sufficient
- Work through any lending conditions
- Confirm lending is unconditional
- Insurance coordination
- Your lawyer has reviewed all documentation (LIM, title, body corporate if applicable)
Whether you’re buying via negotiation or at auction, we’ll walk you through the process and help you stay within your financial limits.
Get pre-approved and auction-ready – Talk to TAG today
Buying an Investment Property
Why Choose TAG for Investment Property Advice?
We’re not just mortgage advisers. We’re property investors, long-term partners, and strategic thinkers. Our job is to support your success—not just the purchase.
- Tailored loan structures to support your investment strategy
- Efficient pre-approval and finance management
- Long-term support to help you grow your portfolio
- Trusted advice backed by real-world experience
Ready to Start Your Investment Journey?
Whether you’re buying your first rental or your fifth, we’ll help you do it smarter—with the right loan, structure, and support from the start.
Let’s talk. Book your free strategy session with a TAG adviser today
FAQ
Frequently Asked Questions
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.