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When you decide to buy a home there's a lot to know and do. Our six-step process makes it easier.
When you sell you are probably looking to buy again - which means twice the work. Follow our process so you know what's involved.
Property investment can be very rewarding, but it's not for everyone. Find out how it works and what's involved before you take the plunge.
Sometimes the only way to get what you really wnat is to build from scratch.
Are you getting the best out of your home loan?
 

Property investment can be very rewarding, but it’s not for everyone. Find out how it works and what’s involved before you take the plunge.

 

Investing

1. Exploring your options

How it works, and the advantages and disadvantages of investing in property. More...

Residential property as an investment | How investing in property works |
Pros and cons of property investment | Your objectives | Steven's investment property story | Julia’s investment property story

2. Affordability and return

How to work out your potential return, and what you need to take into account. More…

How much could you borrow | Leveraging | Using equity in other properties | Cashflow | What rent can you charge? | Working out the rental yield | Rental yield calculator 

3. Ownership structures

An overview of the different ways you can set up your investment. More…

What do you need to think about? | Individual ownership | Partnerships | Companies/LTCs | Trusts | Summary of ownership structures (pdf)

4. Tax

How you manage your tax obligations can make a big difference to your investment return. More…

Tax structures | Keeping records | What do you include as income? | What can you claim as an expense? | Depreciation | GST | Paying tax 

5. Loan structures

There are various options, so choose the home loan structure that suits you best. More...

Loan options | Interest only loans | Loan strategies for investors

6. Buying property

What you look for in an investment property may be different from what you look for in your own home. More…

What should you look for | The buying process | Insuring your property | Rental Property Viewing Checklist (PDF)

7. Managing property

Buying an investment property is just the beginning – find out what you need to think about and what your options are for ongoing management. More…

What’s involved | Tenants | Rents | Keeping an eye on the property

While The National Bank has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, The National Bank does not accept any responsibility or liability arising from your use of this information.

Our lending criteria, terms, conditions and fees apply.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008.  It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

 
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Is investing in property right for you? In order to decide, make sure you understand what's involved.

Property Focus

This publication assesses the state of the New Zealand real estate market providing an independent appraisal of recent developments. View the latest report.

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QV Insider

QV Insider is a new website that can help you find and manage property investments, including helping you evaluate capital gain and rental income.

Find out more.