See how much of your interest you can claim.
Type what each property is worth and what you owe. Red is home debt you can’t claim against tax; blue is rental debt you can.
Red is home debt you can’t claim. Blue is rental debt you can. Rough figures are fine.
Your bank sees one loan at a time. We set up the whole structure.
- A mortgage adviser and an accountant togetherLighthouse Mortgages sets up the lending. Lighthouse Accounting checks what is deductible. One plan, both sides covered.
- 20+ NZ lenders comparedMain banks and non-bank lenders, so your structure isn’t limited to what one bank will do.
- Interest-only set up and renewedWe apply for interest-only on your rentals and come back before each term ends so it doesn’t lapse.
- We stay with youWe’re in touch before every fixed rate ends and as your portfolio grows.
No cost to you for the mortgage side. Lenders pay us a commission on settlement. Lending criteria, fees and T&Cs apply.
Any questions?
Is this really free?
Yes. Lenders pay us a commission on settlement, so there’s no cost to you for the mortgage side.
Is this tax advice?
No, it’s an indicative estimate. Lighthouse Accounting can confirm what’s deductible for you.
Can I just move my home loan onto my rental?
Not on its own. Whether interest is deductible depends on what the money was used for, not which property the loan is secured on. That’s why we look at it with an accountant before anything changes.
What if my lender won’t do interest-only?
Interest-only is usually approved five years at a time and depends on the lender. Your adviser will check which lenders would approve it.
What happens after I submit?
A Lighthouse accountant calls within the hour (Mon–Fri, 8:30am–5pm) to go through your structure and what’s deductible. If you’d rather start with the lending, untick the box and a licensed mortgage adviser calls instead.