3-Property Portfolio
Built in 18 Months.
An Auckland couple their bank said could only support one investment loan built a $1.4M portfolio across three properties — using a loan structure their bank never offered.
The problem.
Daniel and Mei owned their Remuera home outright with $380,000 in useable equity. Both in their early 40s, they wanted to start building a property investment portfolio — ideally acquiring two or three properties over the next few years before retirement.
When they approached their bank, they were told they could support one investment loan — and only at a 40% LVR, meaning they'd need to contribute $160,000 of their own cash for a $400,000 property. That left barely enough equity for a second property, and the numbers barely stacked up.
Their accountant — who had seen Finch help another client structure a similar situation — referred them across. Finch took a fundamentally different approach to how the lending could be structured.
How we solved it.
The result.
Within 18 months, Daniel and Mei held three investment properties with a combined market value of $1.4M. Total rental income of $4,650/month covers all interest-only loan costs across the portfolio, with positive cashflow from month one.
The portfolio is fully compliant with RBNZ investor LVR rules and structured to maximise deductibility under current NZ tax law. The plan for Year 3 is to refinance all three to principal-and-interest loans as rates continue to fall.
"Our bank said one property, maybe. Finch structured us into three in 18 months. The loan architecture they built wasn't something we'd have ever come up with ourselves — and it's already paying for itself."— Daniel & Mei, Auckland, Property Investors
Ready to build your portfolio?
Whether you have equity to leverage or are starting from scratch, Finch can map out a structured investment loan strategy across our 20+ lender network. Free consultation, no obligation.