The new DTI rules changed the game for property investors. We compare 15+ NZ lenders to find the best structure for your portfolio, whether you are buying your first rental or your fifth. Free advice, no obligation.
Tell us a few details about your investment plans. A senior adviser will call you within 24 hours (business hours) to walk through your options and the new DTI landscape.
60 seconds. What you own, what you want to do next, and your DTI position so we can scope your options properly.
Investor LVR, DTI flexibility, interest-only term, deposit source. Not every lender treats investors the same, we find the one that fits.
Within 48 hours, with a clear borrowing capacity and structure so you can act when the right property comes up.
Stories from property investors who structured through Fundmaster
"Go talk to the guys at Fundmaster because they will set you up with goals that will achieve your end result, which is buying a house."
"Other brokers declined me. I saw a Fundmaster ad on Facebook and reached out. They worked really hard on my mortgage and got it sorted."
"My application was one of the toughest, but Rochelle, Dave and the team stood by us and got us into our first home. Highly recommend Fundmaster."
We're proud of the positive impact we've had on our clients' lives. Here are some heartwarming stories from Kiwis who've achieved their dreams with our help.
Andy and Annamarie dreamed of having their own nest to call friends and family to. Like many first-time buyers, they felt overwhelmed and unsure where to start. That's where Fundmaster stepped in. We guided them through the entire process, from clarifying their options to securing the perfect home loan. Today, they're proud homeowners, hosting gatherings in their very own space.
After moving to New Zealand, Vikram and Amrita felt lost in the unfamiliar property market. Our team, led by Dev, provided the local expertise and personal touch they needed. We helped them navigate the complexities of buying a home in a new country, turning what could have been a stressful experience into an exciting journey. They now highly recommend Fundmaster to anyone looking to buy their dream home in New Zealand.
Dev Dhingra · Founder, CEO and Principal Adviser, Fundmaster
I founded Fundmaster in late 2012 with a simple idea: mortgage advice should be personalised to your goals, not treated like just another loan application.
Thirteen years on, our team has helped over 10,000 Kiwi families into their homes and settled more than $2 billion in lending. In 2022 we were named NZMA Mortgage Brokerage of the Year. I still take client calls every week, because the day I stop talking to homeowners is the day I lose touch with what they actually need.
From mid-2024 the RBNZ introduced Debt-to-Income (DTI) restrictions. For owner-occupiers the cap is 6x income, for investors it is 7x. We work out where you sit under the DTI rules, which lenders are most flexible within the speed limits, and whether structuring the loan differently can unlock more borrowing capacity.
The standard LVR limit for investors is 70% (so 30% deposit). However, some lenders accept 80% LVR (20% deposit) under specific conditions, and existing homeowners can often use equity from their current property rather than fresh cash. We map out the cheapest deposit structure for your specific situation.
Interest-only keeps your monthly outgoings lower and preserves cash flow for the rest of your portfolio, which is why most NZ investors use it. Principal and interest builds equity faster and is usually cheaper over the long term. The right choice depends on your tax position, your strategy, and the lender criteria. We will walk you through both.
Yes, in most cases. If your home has gone up in value, you can release that equity (revalue and top up the loan) to use as the deposit on an investment property. We arrange the revaluation, the top-up, and the new investment loan as one connected piece.
Both. About half our investment property clients are buying their first rental. We will walk you through cash flow modelling, tenant management options, tax implications (including the bright-line rules), and lender criteria before you commit to anything.
Yes, completely free. Fundmaster is paid by the lender when a loan settles, not by you. No hidden fees, no obligation to proceed.
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