While building a property portfolio is a great way to invest, finding 30% or more for an investment property deposit can be challenging for many, especially if you have already leveraged the equity in your existing properties. At Platinum Mortgages, we specialise in finding solutions for clients who won’t get a rubber stamp approval from a bank. We partner with lenders who sometimes consider higher loan-to-value lending scenarios, helping investors explore options beyond tranditional bank lending.
Some investors may still be able to purchase property with a lower deposit and is dependant on the property type and lender criteria. If you’re specifically exploring situations where 10% or 20% deposits may still be possible, see our guide explaining when lower deposits can work.
Most property investors have just one investment property. This is because they fully leverage the equity in their family home to fund a 30% deposit on a property and are left with nothing else to invest. If you want to understand how this works in practice, see how using equity to buy an investment property in New Zealand works.
By utilising a 90% LVR investment property loan, small property investors can grow their portfolio beyond a single property.
The terms and conditions vary by lender and can change. Currently, we work with lenders offering:
For more information, get in touch, and we can provide advice and options tailored to your circumstances.
The key to making a good property investment is to know all the numbers: rental yields, interest rates, maintenance and fixed costs, and historical and projected capital gains.
When planning an investment purchase, it’s important to understand the mortgage structures available for rental properties.
A high LVR loan with a non bank lender comes with higher interest rates, but this doesn’t make it a bad option. The higher interest rates just need to be added to the equation and considered when assessing your risk tolerance. At Platinum Mortgages, we help our clients grow their property portfolios by finding the best mortgage solutions. If you need personalised advice or a mortgage, contact us today.
Angela is an accredited Financial Adviser, licensed under FSP742251 and has been in the Financial Industry since 2006. Our 5-star Google reviews reflect the excellent customer experience we promise — making your home loan journey positive, stress-free, and rewarding. At Platinum Mortgages, our clients are the reason we exist — so you can be confident every step is guided by genuine care and expertise.
