Investment Property Loans & Mortgage Advice

INVESTMENT MORTGAGE ADVICE

Looking for investment property loans?

At MIK Solutions, we help property investors understand their borrowing power, navigate lender requirements, and structure lending so their portfolio can grow sustainably.

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Building an investment strategy that works.

Lenders assess investment property risk differently, and structure options may vary depending on income, equity, and future plans. At MIK Solutions, we help investors understand their borrowing capacity, structure lending correctly, and position themselves for long-term property growth.

How we support property investors

Investment planning
Understanding how equity, deposits, and lending structures can support your first or next investment property.
Finance preparation
Presenting your financial position clearly so lenders can assess your application efficiently and accurately.
Loan structuring guidance
Helping design a lending structure that supports both your current investment and future portfolio opportunities.

Levers we pull

Tailored tactics for serious investors.

Cash flow engineering

Split rates, offset accounts, and interest only periods to lift free cash without compromising long term debt reduction.

Scenario modelling under different rent assumptions.
ACC and income protection integration for self employed clients.
Tax aware structuring in line with your accountant.

Entity structuring

We liaise with your legal team to determine whether to hold in personal names, look through companies, or trusts.

Lender appetite for each ownership type.
Asset protection without destroying borrowing capacity.
Clear documentation trail for bank credit teams.

Acquisition pipeline

Planning two purchases ahead means we preserve equity and keep servicing ratios healthy for the next deal.

LVR caps and speed limit awareness.
Forecast of how each purchase impacts servicing.
Exit strategies mapped per property.

INVESTMENT PURCHASE PATH

Our process from planning to purchase.

1. Investment position review

We assess your current financial position, including equity, income, and lending capacity, to determine the level of investment property lending that may be possible.

2. Lending preparation

We gather the required documents and structure your application so lenders can clearly assess your investment mortgage options.

3. Property purchase support

When you identify a property, we help review the financial implications so your offer aligns with your borrowing strategy.

4. Settlement coordination

We work alongside lenders and solicitors to ensure the finance process runs smoothly through to settlement.

NEED TO KNOW MORE?

Investment Property FAQs

Investment properties typically require a larger deposit than owner-occupied homes. The exact amount depends on the lender and your overall financial position.

Many investors use equity from their existing property to help fund a deposit for an investment property, subject to lender approval.

Lenders usually include a portion of expected rental income when assessing serviceability, along with your personal income and financial commitments.

Case Study

Recent result: dual townhouse acquisition.

A Tauranga client wanted to secure two townhouses off the plan while keeping headroom for a future renovation. We refinanced their owner occupied property, freed $180k in usable equity, and structured interest only lending across two banks so neither institution throttled the exposure.

Outcome: Two properties settled with $1,100 positive monthly cash flow and lending pre-approval already in place for the next purchase.

Build your property portfolio.

Property investment can create long-term financial opportunities when lending is structured carefully. Speak with the team at MIK Solutions to explore investment property loans that support your future plans.

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