In New Zealand, property investment isn’t just about owning more houses, it’s about building a future. Whether you’re aiming for long-term capital gains, rental income, or a blend of both, the path starts with knowing your options. From understanding investment property lending criteria to structuring the right mortgage structure, SK Financial Group makes the process easier and reliable.
Property investment means purchasing real estate with the goal of generating income or long-term value. This could be through rental income, capital gains, or both. Unlike owner-occupied homes, investment properties are assessed under different mortgage rules, including specific investment property loan criteria.
Property investment offers financial stability and long-term wealth growth. With rising rental demand and solid capital gains, it's a smart move. You can leverage your equity, benefit from passive income, and use home loan for investment property options to scale over time. It's a tangible, resilient investment strategy.
Many start considering buying an investment property when interest rates drop, or their financial goals evolve. If your current home has appreciated or your income has increased, it could be a great time to take the next step. Lenders often allow you to unlock equity and access mortgage loans for investment property tailored to your situation. Even first-time investors can benefit from early entry into the market. The earlier you start, more time you have for your investment to grow.
Initial Consultation:
We understand your financial position and goals.
Loan Assessment:
We evaluate your scenario and find the best solution for your profile.
Strategy Design:
Capital gains or rental yield? We help you decide.
Application Support:
From document prep to lender communication, we’ve got it covered.
Ongoing Advice:
As your property portfolio grows, we will assist you throughout the journey.
At SK Financial Group, we combine industry experience with personalised service. Whether you're buying property for investment purpose or reviewing your existing investment property portfolio, we will conduct an in-depth analysis to gather knowledge about your financial situation and find the right solution. We also advise on risk, insurance, and long-term planning to help your investment succeed.
Let’s Start Growing Your Investment Portfolio
From your first rental to your third property, SK Financial Group makes property investment simple and strategic.
Most banks in New Zealand require a 30% deposit to purchase existing residential properties. You may require only 20% deposit if you were purchasing a newly built residential property also known as turnkey (check-in with us to find out more). However, if you have sufficient equity in your current home, you could access the equity to obtain the funding for the next property transaction.
No, KiwiSaver can only be used for purchasing your first home to live in. It cannot be used for buying an investment property.
It depends on your goals. Capital gains suit long-term investors, while rental yield provides regular income. We help you structure your investment property financing based on the right balance.
There are strict rules for overseas buyers. Most foreign investors cannot buy residential property in New Zealand unless they meet specific criteria. You will need to seek legal advice to firm whether you can purchase a property in New Zealand for investment purpose.
Our Company
Copyright ©2026 All Rights Reserved.