Investment loans in Christchurch

To be a successful investor and build wealth through a property portfolio, it’s important that your investment loans are tailored to your needs properly.

I work closely with your financial planner and accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings.

If you don’t have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.


Many people start to think about refinancing when interest rates or their personal circumstances change.

If you’re refinancing for a better home loan, the most important thing to consider is the long term benefits against the actual costs of refinancing.

Many Kiwis are refinancing their home loan for a number of reasons, including to:

Refinancing your mortgage is not an easy decision. A Loan Market mortgage adviser will help you do the sums, taking into account all the costs of mortgage refinancing, to help you determine whether or not refinancing is the right move for you.

Things to consider when refinancing your home loan

There are many considerations before deciding to refinance your home loan - follow these easy questions to find out if it's right for you.

Getting a better rate

The loan with the cheapest interest rate is not always the right option, and in some cases may actually cost you more money over the loan term. A competitive home loan will offer a combination of competitive rates, low fees and loan flexibility.

Access the equity in your property

Many homeowners find it difficult and frustrating saving for things like holidays or renovations whilst paying off a mortgage, but it doesn’t have to be. Home equity loans are designed to give you access to the equity in your existing home loan via a line of credit loan.

Debt consolidation

Struggling to make repayments on high interest debts such as credit cards and personal loans? Debt consolidation can help reduce your monthly finance repayments, save you money on fees and charges and take control of your debt by consolidating your existing loans into a new lower interest rate loan.

Tips for reducing debt

Having trouble cutting down or preventing debt? Here are our top tips for reducing debt.

Borrowing to renovate

Renovating is a great way of adding value to your home. But like most creative projects renovating can be frustrating and stressful – that’s where a Loan Market mortgage adviser can help in getting the right finance the first time.

Refinancing costs

Refinancing will generally have some entry and exit costs in the start and can range from a few hundred to thousands of dollars however it may offer you more flexibility and can save you more money in the long run.

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