We Can Help You Grow Your Rental Portfolio
Growing your rental portfolio is a proven way to build long-term wealth and income in Tauranga. But it’s not just about interest rates — the key is structuring your lending so cash-flow works, equity is unlocked smartly, and you stay positioned for future purchases.
That’s where Best Mortgages, your local mortgage broker Tauranga, makes the difference. We compare banks and reputable non-bank lenders, explain how each option affects yield and flexibility, and help align your loan structure with long-term goals.
Real example: A Mount Maunganui couple were told they’d “maxed out” their borrowing. We refinanced their home, released equity, and secured finance for a second rental in Bethlehem. Both properties are now cash-flow positive — the right structure made it possible.
Smart Lending for Serious Investors
Yes, Reserve Bank settings and tighter bank policies have made things tougher. But growing a rental portfolio is still possible — if you approach the right lenders with the right strategy.
As independent mortgage brokers, we work across all major banks and trusted non-banks to find competitive, policy-fit lending options for investors ready to scale.
How We Help:
- Equity & borrowing: clear breakdown of what’s possible now and next.
- Smart structuring: interest-only vs P&I, revolving credit, offset loans, and split terms.
- Lender matching: we present your file to lenders whose criteria support growth.
- End-to-end support: from rental appraisals to valuations and documentation — we handle it.
Explore our investment loan options to see how we can help you move forward.
Book a free chat to compare mortgage rates, assess borrowing capacity, and map out your next property investment step.
Whether you’re growing your portfolio, refinancing to unlock equity, or planning a future purchase, we’ll help you make smart lending decisions. Our team is based here in Tauranga and works with property investors all across the Bay of Plenty.
See our reviews to learn why investors trust us, or read the latest insights for smarter portfolio planning.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
How can I use my home equity to buy another rental property?
Many investors in Tauranga use the equity in their own home as a deposit for their next purchase. We’ll calculate how much usable equity you have, compare lenders’ limits, and structure your loan to protect your existing property while freeing up funds for portfolio growth.
What stops investors from getting more rental loans?
The biggest hurdles are Reserve Bank restrictions and bank servicing limits. As independent mortgage brokers in Tauranga, we understand each lender’s criteria and can find policy-fit options — often from non-banks — to help you keep expanding your portfolio across the Bay of Plenty.
Should I keep my rental loans interest-only or pay principal and interest?
AccorInterest-only loans can improve short-term cash-flow, while principal and interest helps reduce debt faster. We’ll model both so you can decide what suits your stage of investing, income stability, and future purchase plans.dion Content
Can I refinance existing rentals to release equity?
Absolutely. Refinancing is one of the smartest ways to grow without using savings. We’ll review your lending, identify unused equity, and work with lenders who support portfolio investors — ensuring your repayments and tax position remain sustainable.
Do you work with investors outside Tauranga?
Yes. While we’re based in Tauranga, we help clients across the Bay of Plenty and nationwide through video or phone consults. Whether you’re in Mount Maunganui, Papamoa, or Auckland, you’ll receive the same personalised guidance and expert lending strategy.
