28/05/2026
๐ผ๐จ ๐ฎ๐ค๐ช๐ง ๐๐ค๐ข๐ ๐๐ง๐ค๐ฌ๐จ ๐๐ฃ ๐ซ๐๐ก๐ช๐ (๐ค๐ง ๐ฎ๐ค๐ช๐ง ๐ก๐ค๐๐ฃ ๐ง๐๐๐ช๐๐๐จ), ๐ฉ๐๐๐ฉ ๐๐ฆ๐ช๐๐ฉ๐ฎ ๐ข๐๐ฎ ๐๐๐ก๐ฅ ๐ฎ๐ค๐ช ๐ข๐ค๐ซ๐ ๐๐ค๐ง๐ฌ๐๐ง๐ - whether thatโs purchasing another property, renovating, restructuring debt, or improving cash flow.
For example..
Mr & Mrs Smith* (Auckland) want to purchase a rental property without draining their savings. By reviewing the equity in their current home, we would structure lending that allowed them to move forward while still keeping a financial buffer in place.
๐ ๐๐ถ๐บ๐ฝ๐น๐ฒ ๐ฏ๐ฟ๐ฒ๐ฎ๐ธ๐ฑ๐ผ๐๐ป ๐ผ๐ณ ๐ต๐ผ๐ ๐๐ต๐ฒ ๐ป๐๐บ๐ฏ๐ฒ๐ฟ๐ ๐ฐ๐ฎ๐ป ๐๐ผ๐ฟ๐ธ:
๐๐ผ๐บ๐ฒ ๐๐ฎ๐น๐๐ฒ: $1,000,000
โข 80% lending limit: $800,000
โข Current mortgage: $500,000
*Potential available equity: $300,000
๐๐ป๐๐ฒ๐๐๐บ๐ฒ๐ป๐ ๐ฝ๐๐ฟ๐ฐ๐ต๐ฎ๐๐ฒ
โข Purchase price: $1,000,000
โข Bank lending (70%): $700,000
โข Deposit required: $300,000 (from equity)
So the investment can be funded like this:
$700,000 + $300,000 = $1,000,000
* ๐๐ฆ๐ฏ๐ฆ๐ณ๐ข๐ญ ๐ช๐ฏ๐ง๐ฐ๐ณ๐ฎ๐ข๐ต๐ช๐ฐ๐ฏ ๐ฐ๐ฏ๐ญ๐บ. ๐๐ฆ๐ฏ๐ฅ๐ช๐ฏ๐จ ๐ช๐ด ๐ด๐ถ๐ฃ๐ซ๐ฆ๐ค๐ต ๐ต๐ฐ ๐ค๐ณ๐ช๐ต๐ฆ๐ณ๐ช๐ข ๐ข๐ฏ๐ฅ ๐ข๐ง๐ง๐ฐ๐ณ๐ฅ๐ข๐ฃ๐ช๐ญ๐ช๐ต๐บ.
If youโve built up equity and havenโt reviewed how it could be working for you, ๐๐ฉโ๐จ ๐ฌ๐ค๐ง๐ฉ๐ ๐ ๐๐ค๐ฃ๐ซ๐๐ง๐จ๐๐ฉ๐๐ค๐ฃ.
