Property Investment

INVESTING CAN BE FUN & EASY

a man holding a document to sign

OUR FIRST ADVICE

We help you build true wealth through the most traditional means known to man… Real Estate! Don’t rely on just the Government pension in your old age. Investing can be fun and easy (not to mention highly profitable) if you have the right advice and right team behind you.

WHY INVESTING IN PROPERTIES?

One of the main attractions with investing in property is ‘Leverage’. Simply put it means; to do more work with less effort, or achieve greater results with less input. Property is basically the only asset class where any form of leverage is employed. Imagine walking into your Bank and asking them for a $400,000 Loan to buy 1,000 shares in a listed company in the stock market…not going to happen!

If your $500,000 property with 20% down increases in value by just 5% year one year (Auckland has been sitting above 10% on average), after 3 years you have made a capital gain of $78,813 which equates to a whopping return on your investment of 78.8%! Remember, your investment was only $100,000 the other $400,000 was put up by the bank. But do you have to share 80% of these profits? Of course not! You must service the loan (well your tenants do) but you get to keep the proceeds!

However, it’s not all fairy tales and roses, there are lots of things to consider and things can go wrong. When Leverage is used poorly it multiplies your losses the same way it can multiply your gains. You see just like money ‘leverage’ is neither good nor bad, it simply comes down to how it is used and managed that determines ones outcome.

YOU PROBABLY HAVE A FEW QUESTIONS LIKE…

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  • How do I use equity from other properties? Is it wise to do so?
  • What is cross-security? Why does my bank insist that this is the only way?
  • How do I structure my investment property separately from my own home to safe guard it?
  • Why is it safer to have different banks for different properties?
  • How do I minimise tax (Legally)?
  • Should I treat my ‘personal debt’ differently to my ‘investment debt’ ?
  • Do I fix or float?
  • Is ‘interest only’ a good idea?
  • Does my bank look after my interests first?
  • What do the recent government announcements mean for existing investors and those looking at getting in to their first investment?

 We can answer all of the above for you, and more questions you may not even think to ask.

 

READY TO GET STARTED TODAY?

  • NFirst Home Buyers Auckland Wide
  • NMobile Mortgage Brokers
  • NIndependently Owned
  • NSpecific Advice Includes Tailored Debt Reduction Techniques
  • N100% Free Service
Google Rating
5.0
Based on 14 reviews
Facebook Rating
5.0
Based on 30 reviews

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    Social Rating
    5.0
    Based on 44 reviews

    A great help. made things so much easier for us
    Baby Online
    Baby Online
    04:58 08 Jun 21
    Very Helpful and will go the extra mile for you
    Shwan Atrushi
    Shwan Atrushi
    04:57 08 Jun 21
    Wow what can I say, my first home buying went so much smoother than I ever imagined! I knew absolutely nothing about mortgages and Matt had explained everything in terms I could totally understand. He made the whole process smooth and seamless, without much work from us because him and his team had done it all! Thank you so much for everything you've done so far 🙂
    Olivia Atrushi
    Olivia Atrushi
    02:47 08 Jun 21
    Matt Willoughby and TeamProfessional, Caring and ProactiveWords cannot explain how grateful we are to work with Matt and his team to buy our very first home. They made the impossible possible. We were delighted by their professionalism and how proactive they were throughout this whole process. Matt and team got our trust from day 1 cos he showed that they care and will do everything possible to make things work. To Matt, Dave and the rest of the Team Matt Willoughby East Tamaki. Thank you so much for your guys relentless effort. We are proud first home owners and we forever appreciate you.
    ea faletau
    ea faletau
    04:10 16 Apr 21
    Matt and his team were awesome! Checked in on me regularly (without loosing hope or patience) when things went slow at my end, then pulled everything together with minimal effort when I was ready to remortgage and buy. Thanks guys!
    Tim Merkens
    Tim Merkens
    19:18 14 Apr 21
    I highly recommend Matt and his team. They really went the extra mile for me with great results. They were prompt at responding to emails and answering any questions I had which is exactly what you want to take the stress out of buying a house. Thanks guys!
    Kelsey Muir
    Kelsey Muir
    19:17 14 Apr 21
    Matt was easy to work with and did a great job of negotiating good rates for our mortgage. Our pre-approval came through really quickly thanks to Matt and his team. We found the advice received on how to structure the mortgage very clear and helpful.
    Natalie Maree
    Natalie Maree
    08:31 07 Apr 21
    Matt was easy to work with and did a great job of negotiating good rates for our mortgage. Our pre-approval came through really quickly thanks to Matt and his team. We found the advice received on how to structure the mortgage very clear and helpful.
    Natalie C
    Natalie C
    08:28 07 Apr 21
    Without a doubt we can seriously say Matt and his team provides ⭐️⭐️⭐️⭐️⭐️ service. If you, a family member or anyone you know is looking to buy a house, DIRECT THEM HERE! We had no experience whatsoever in buying a house, but Matt and Dave were very supportive, helpful and patient throughout the whole process and even afterwards when their job was done.

    As first home buyers we didn’t have a clue about what to do but Matt and Dave understood and were always very calming. Thank you so much for getting us into our first home and even more importantly at 27 years old 😱 We are so grateful and overwhelmed to say we are homeowners and it’s all because we decided to take on this journey with you and your team.

    Stephen & Rosie
    Rosie Vala
    Rosie Vala
    03:05 11 Mar 21
    Matt and his team were amazing during the entire house hunting and purchasing process. We crossed the line with a wealth of knowledge thanks to Matt taking the time to simplify and considerately interpret the sometimes confusing nature of having a mortgage. Thanks again.
    Matt Setefano
    Matt Setefano
    19:42 24 Feb 21
    We highly recommend Matt and his team for all your mortgage needs. Matt was prompt with deadlines and helped us through every step of the way. Hard and confusing terminology was interpreted in a simple way which made the process that much more personalised and enjoyable. A big thank you for getting us into our first home!
    Matt Setefano
    Matt Setefano
    19:37 24 Feb 21
    Matt has been absolutely delightful to work with. Very patient, optimistic and diligent in his efforts to help us buy our first property. He is excellent in communicating and will go over and beyond to get you the outcome your wanting. Thanks Matt and team for everything we will always appreciate it.
    Mel Ngata
    Mel Ngata
    10:59 26 Oct 20
    After our first zoom call with Matt a couple of months or few months ago, my partner and I knew that we got ourselves a best mortgage broker in the country. Matt run us through the process from the start to the end and our excitement started from when we were submitting our documents onto their Portal. Their system was very straightforward and we couldn’t be more excited with how Matt handled everything.
    My partner and I would recommend Matt and his team to anyone who is out there wanting to get onto the property ladder. They are very efficient and their communication is always on point. Matt took the stress off us dealing with the banks and it was the best service we’ve ever had.

    Many thanks Matt and your team.
    Great work and we will keep in touch when we purchase our next home 🙂
    Tiresa Tuato
    Tiresa Tuato
    05:42 29 Sep 20
    I will recommend Matt to everyone. My partner and I owe him for helping us get into the Auckland property market. Not only is he professional, simplifies the daunting process of purchasing a home. He is always a phone call away when you have any questions (very quick in returning a call).When issues or concerns were raised by the bank, Matt went into fight for us and got us across the line.Thanks Matt, five stars ⭐️ ⭐️⭐️⭐️⭐️
    Paul Norman
    Paul Norman
    05:35 29 Sep 20
    Highly recommend the services of Matt and team! Could not recommend a better broker! Being first home buyers, we had no idea of the process and Matt ensured our experience was informative and smooth from start to finish. Very knowledgeable. Easy and transparent communication, not to mention very speedy in getting things done. Thank you Matt for helping us get our dream home!
    Deborah Mann
    Deborah Mann
    07:10 08 Jul 20
    Matt and his team were awesome at helping us into our first home. They were professional, communicative and would go out of their way to ensure that we were tended to at every stage of the process.
    Dominic schryvers
    Dominic schryvers
    23:01 18 Mar 20
    My husband and I had a 3year goal in place to buy our first home. A friend of ours told us about Matt Willoughby so i sent him a text. Matt and his amazing team were able to help us buy our first home in less than 6months. What seems impossible quickly became a reality for us.Although a few hiccups on the way, matt was able to quickly fix it and inform us along the way. Ive seen people go through this process of buying a home and being stressed, but our experience was great! absolutely recommend Matt and his team.Thanks again Matt and team for helping us.
    Vaioleti Atiola
    Vaioleti Atiola
    03:08 21 Feb 20
    Great service, like for real! So easy to deal with, very easy communication as well as speed with working with the bank, lawyers etc. we had a very difficult process in order to buy our first home but Matt took on a lot of that stress to make it happen for us and we are very grateful. Highly recommended and will be passing on his information to family/friends. Thanks Matt 🙏🏽
    Willie Mann Jr.
    Willie Mann Jr.
    08:10 03 Oct 19
    Could not reccomend a more professional and down to earth person to help us buy our first home! the process from start to finish was smooth and easy. Your an absolute star! Thanks for everythign
    Michael Cressey
    Michael Cressey
    03:57 30 Jul 19
    Matt has gone above & beyond to help me through the process of buying my first property, His Communication skills are first class & he will always go out of his way to look after you & find you the best deal! Thanks again mate!
    Matt Heaps
    Matt Heaps
    10:42 02 Jul 19
    We didn’t think it was possible to purchase so soon after relocating cities and changing careers. However, Matt’s optimism, honesty and calm and collected/factual advice and help for us into another home!!
    Callum Razak
    Callum Razak
    07:47 16 Jun 19
    Our dream of being first home buyers seemed unreachable until we found Matt! Thankyou so much for the awesome advice and encouragement along the way. Excellent!!
    Melanie Boyce
    Melanie Boyce
    05:06 28 May 19
    Fantastic dude, easy to work with and answered my millions of questions without hassle or condescension!
    Melanie Boyce
    Melanie Boyce
    05:03 28 May 19
    We would not have been able to fulfill the kiwi dream and buy our first home if it was not for Matt Willoughby Ltd. They respond quickly and were able to communicate in a way that let us understand the entire process. Will use again for any lending in the future.
    Tim Booth
    Tim Booth
    01:15 23 May 19
    Absolutely fantastic, really communicative and patient for a first-home buyer that hasn't gone through this process before. Would highly recommend his services.
    Shane Henderson
    Shane Henderson
    03:24 08 Mar 19
    Matt Willoughby you have helped both me and my partner so much! You have exceeded all expectations and gone above and beyond! Matt helped me and my partner re-finance our mortgage he helped us with everything! It was a struggle as it felt like everything that could go wrong went wrong but he persevered and not only got us a "good" interest rate he got us the BEST interest rate and the BEST repayments. I would highly recommend Matt as he makes the impossible happen and doesn’t pass that stress on! Matt you are amazing take credit you deserve this so much you literally ease the stress and you take the weight off your client’s shoulders! You have done an amazing great job Thank you SOOOOOOOOOOOOOO MUCH 100+ Stars 🙂
    Flo & Geoff
    Flo & Geoff
    20:45 20 Dec 18
    So helpful! Matt helped secure us a really good rate with great cash back and a loan structure that will take years off our mortgage!
    Laura Thompson
    Laura Thompson
    20:10 06 Dec 18
    Matt Willoughby is the best broker in the Auckland as per our experience we are very happy with the services given by Matt and from his team , very professional and honest people.
    He knows what he is doing and his work ethics are excellent , he always updates you that’s the best part not like the others where you have to ring them and find out what’s going on.

    He helped us to sort out our first home loan just like that..not just the loan insurance as well.

    We heavily recommend Matt Willoughby to everyone with no doubts.
    Tarun Kumar
    Tarun Kumar
    03:17 12 Sep 18
    Matt was really thorough and supportive in helping us go through the process of getting a loan for a house. He was very prompt and quick at getting things done and got us a great deal. Thanks Matt!
    Rachel Nixon
    Rachel Nixon
    07:08 03 Aug 18
    We used Matt to buy our first home, and to say the process was a bit atypical would be an understatement.

    When it came to the actual purchase, we had a number of barriers in our way (a long story in itself), but Matt worked with us to find a way through all of them. I can honestly say that if it wasn’t for Matt, the purchase would not have gone through. He was always quick to respond, gave solid advice and keeps a cool, calm demeanour even when things get down to the wire.

    Definitely consider using Matt’s services, not only for the pre-approval phase, but if you do purchase a property and unforseen circumstances arise, he’s a guy you want on your team.

    I would recommend him without hesitation.
    Hayden James
    Hayden James
    00:27 10 May 18
    Matt is a great pleasure to deal with, Very professional, prompt response!
    Great service.
    Would highly recommend!

    You won't regret dealing with this man
    Phillip Li
    Phillip Li
    09:00 09 May 18
    Matt has been great to work with, he not only got us a great rate of 4.09% he offered tons of really useful and practical advice.
    Thanks, Matt
    James Dobbs
    James Dobbs
    23:24 01 May 18
    We’ve just bought our first home in Auckland and we’re over the moon! Matt was a dream to work with. He kept us informed at every step and we really appreciated the high communication.

    As first time home buyers we had no idea how to get a mortgage and were completely ignorant to the process. We’d done some light research on home buying but with Matt’s help we learned that becoming a home owner was a real possibility for us.

    Pulling in our personal savings, Kiwisaver and the Homestart grant, Matt worked his magic and we qualified for the Welcome Home Loan and got the pre-approval from the bank we needed to purchase our first home.

    The process we’ve just been through was so cruisy it feels surreal to be home owners because it seemed way too easy. We’ve secured a competitive interest rate, the repayments are affordable for our situation and we’re not over extending ourselves – we can actually live, play and save!

    If you’re looking for a simple and stress free guide to buying your first home, choose Matt Willoughby. He won’t disappoint and he also has the loveliest assistant who made sure all our paperwork was signed in all the right places.

    Thanks Team!
    Peta Forrest
    Peta Forrest
    23:17 21 Dec 17
    Matt was an absolute pleasure to deal with, very professional and highly recommended. He made our experience as stress free as possible, if you are looking for a great mortgage broker look no further �
    Todd Thorburn
    Todd Thorburn
    21:46 21 Dec 17
    Matt is awesome, got in touch with him to see if he could help when banks said no....and yip I thought it was too good to be true but he came through for us and did a wonderful job. Thanks again Matt.
    Connie Zander
    Connie Zander
    04:50 26 Oct 17
    Very professional.
    Great service.
    Would highly recommend!

    You won't regret dealing with this man
    Summer Casino-Tinkerbell
    Summer Casino-Tinkerbell
    14:00 04 Aug 17
    If there's something strange, with your mortage rates, who you gonna call? Matt Willoughby - Mortage broker.
    Ram Porter
    Ram Porter
    03:54 04 Aug 17
    Looking for a Mortgage Broker? Matt is the man! #Professional #Topnotchservice
    Jerico Ramos Vinluan
    Jerico Ramos Vinluan
    02:09 04 Aug 17
    Matt is on top of my list if you're looking for a Mortgage Broker.
    Two Words - Real Professional!
    Dave Bauzon
    Dave Bauzon
    02:00 04 Aug 17
    I would highly recommend Matt's professionalism and warmth.
    Soniel San Pedro
    Soniel San Pedro
    01:56 04 Aug 17
    If you are looking for a Mortgage Broker Matt is the #1 guy to go to! Would highly recommend!
    RamMig de la Cruz
    RamMig de la Cruz
    01:46 04 Aug 17
    Matt is on top of my list if you're looking for a Mortgage Broker.
    Two Words - Real Professional!
    Anthony Espino
    Anthony Espino
    01:33 04 Aug 17
    Matt is awesome to deal with! Right from the very start he has helped me secure my 1st home!! Makes you feel at ease and always there to answer any questions. His service is impeccable! Goes above and beyond - is honest and truly has your best interest! Thank you so much Matt, no words can describe the feeling I am feeling about being a home owner...all THANKS to you!!! ����
    Miriama Ualesi
    Miriama Ualesi
    08:32 15 Dec 16
    SAME PEOPLE, NEW BRAND
    Hi there, we have moved from mattwilloughby.co.nz to our new home onestopfinancial.co.nz. If you have any question, please contact us. Otherwise, welcome to our new site!