Investing in Rental Property
If you are thinking about increasing your wealth or are based overseas and think that investment in property may be an option, then don't hesitate to get in touch with a trusted mortgage adviser from the start.The team at Rapson Loans & Finance Ltd specialises in residential and commercial property investment and knows how to maximise your investment funds for the best outcome.
With years of experience helping New Zealanders from all walks of life enjoy this investment opportunity, we will use all our mortgage and lending experience to assist you. This experience is invaluable too in assisting NZ Expats and Foreign Buyers purchase property in NZ while still being based overseas.We have connections with a wide group of specialist in the investment property industry and are happy to provide references to them wherever appropiate.
Investment loans may be structured in various ways depending on what you are looking to achieve, and can be either very simple ( like a standard home loan) or something more complex that helps you make effective use of tax, gearing and repayments. You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.
As prudent property investors will attest to, it is critical to maintain the best practices possible in order to maximise profits and reduce costs. We will complete an assessment of your current investment finance which may include discussions with your other property professionals( ie accountant, solicitor etc)will work with you to maximise your returns.
Since the New Zealand Government has changed the rules around depreciation it has become very evident that property investors need to make quality decisions based on full knowledge of their current situation.
These decisions need to be communicated in terms that banks can understand, so sound advice from an experienced mortgage advisor is essential.
Factoring in the banks’ appetite (or in some cases the lack thereof) for additional property investment business appears to make property investment a challenge for some clients. We invite you to work with us whenever you are considering a change in your financial situation.
Global Financial Crisis
The Global Financial Crisis left its mark on the investment sector with values of properties declining sharply from 2007 and new investors being less than excited at the yields available.When coupled with the new taxation regime (since 31st March 2012 )it is clear that good knowledge and wisdom are critical when making decisions around investment property.
We are observing that the value is starting to flow back into the investment property market and investors are finding ways to make their investments positive.
Investment in Property - Solutions
We have successfully assisted many clients active in the property investment market make the subtle changes necessary and we continue to help many people make progress and increase their investment portfolio. Clearly a professional and fully considered approach is warranted when submitting applications for property finance/refinance and we are happy to work with clients to achieve the most beneficial mix of growth and consolidation.
Investment in property is still a good option!
As property investors ourselves(both in residential, commercial and land banking) we have a good deal of personal experience to call on and are happy to share our property investment experience with you. The contacts that we have within the industry across the New Zealand market are also available to assist with robust decision-making and the critical professional support that is needed in the investment property sector.
Call us on 07 577 1209 or Chris on 027 552 6020 or Tristan on 021 119 9458 to discuss your property investment options and make the most of every opportunity.