Property Investments

Smarter Mortgage Strategies for Property Investors

Strategic lending advice from trusted Franklin mortgage advisers, helping investors across New Zealand build wealth through property.

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Investment Property Mortgage Advice You Can Trust

Whether you’re buying your first investment property or growing an existing portfolio, Counties Home Loans makes the process simple and strategic. Based in Pukekohe, Franklin our team of expert mortgage advisors help investors make smart lending decisions that support long-term goals.

We’ll take the time to understand your situation, explain your options, and structure a mortgage that gives you flexibility, stability, and reduced risk.

We’re here to help you structure smarter lending strategies that don’t just work for today — but set you up for the future.

How it works

What to Expect on Your Investment Journey

Assessing Your Position

Making the most of what you have

Every investment starts with understanding your current position. We’ll help you make the most of the equity you already have — whether that’s in your home or other properties — and identify how you can use it to grow your portfolio.

Structuring the Loan

Smarter frameworks for growth

There’s more to property investment than chasing the lowest rate. We focus on creating smart, flexible loan structures that support growth and protect your position over time. From interest-only periods to split loans and tax-efficient setups, we’ll design a solution that works for your goals.

Accessing Lenders

More options, better opportunities

As trusted Franklin mortgage advisers, we work with a wide network of New Zealand banks and non-bank lenders. That gives you choice — and access to competitive, tailored solutions that suit your investment strategy.

Supporting Your Strategy

A long-term partner

Property investment is a journey, and we’re with you every step of the way. From refinancing and restructuring to planning your next purchase, Counties Home Loans is here as your ongoing lending partner — not just for one transaction, but for the lifetime of your investment goals.

What Our Investor Clients Say

Our Lenders / Partners

We partner with leading banks and trusted lending organisations across New Zealand, giving our clients flexibility and access to a wide range of property investment loan options.

Ready to take the next step?

Get in touch with our team – or try one of our smart mortgage tools to explore your options first.

Additional Payment Calculator

Discover how making extra payments could help reduce your loan faster and improve long-term returns.

Offset Home Loan Calculator

Explore how offsetting your loan with savings can reduce interest and build wealth more efficiently.

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Frequently Asked Questions When Buying Your First Home

You can also read our full FAQs page
for more property investing answers.

How much deposit do I need for an investment property?

Typically, lenders require around 35% for an investment property, but this can vary. We’ll review your situation and advise on the most suitable options.

Can I use the equity in my home to buy an investment property?

Yes — leveraging existing equity is one of the most effective ways to grow your portfolio. We’ll calculate how much equity you can use and help you structure your lending safely.

Do you work with investors who already own multiple properties?

Absolutely. We work with both first-time investors and seasoned portfolio builders, providing tailored mortgage strategies for every stage of your journey.

Why use a mortgage broker instead of going direct to the bank?

Working with Counties Home Loans means having someone in your corner. We compare multiple lenders, simplify the process, and make sure your lending strategy truly fits your goals.