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Housing Market

5% deposit home loan could be a game-changer for first home buyers

Launchpad allows deposits of as low as 5%, and is aimed at helping first home buyers who have good incomes but not enough deposit to meet the 20% often demanded by trading banks, or who don’t qualify for the Government’s Kāinga Ora scheme.

Housing Market

Professional property investing when a home loan is no longer a home loan

As a general rule of thumb, any property investor who has at least six rental properties is viewed as a "professional" property investor through the eyes of the bank. And the way these investors are treated by the banks is markedly different to someone whose main income is not from property.

Financial planning

Investing in Mortgages – Home Loan No.1: a case study

As part of our ongoing commitment to transparency for our investors, we're sharing a couple of case studies about the type of lending we are doing in our new investing classes: Home Loans and Business Property Loans. We were confident in approving these loans and what their characteristics are, and by sharing this we hope to pass some of that peace of mind to our investors.