Your First Investment Property, Made Simple.
Smart lending options, flexible structures, and expert guidance - everything you need to start building wealth through property.
Why Choose AML Home Loans for Your First Investment?
We make investing simple, strategic, and stress-free - with flexible lending options and real guidance.
Up to 90% Lending Options
Access higher leverage through our trusted non-bank partners.
Fast Approvals
We move quickly so you don’t miss an opportunity.
Expert Guidance
20 years’ experience helping Kiwis grow through smart property investing.
Investor Journey (Step-by-Step)
A proven, step-by-step approach to building wealth through smart lending and tailored investment strategies.
Free Consultation
Discuss your investment goals and borrowing power.
Financial Review
We analyse your equity, income, and deposit options.
Approval & Structuring
Secure the right loan type — interest-only, split, or fixed.
Investment Property Loans
Up to 90% lending via non-bank lenders
Grow & Review
We stay in touch to plan your next investment step.
Every Challenge Has a Solution
No matter what’s holding you back, our team finds ways to move you forward - with tailored lending options and expert guidance.
Challenges
Solutions
1. I don’t have a big deposit.
Some of our lenders offer up to 90% LVR — we’ll help you qualify.
2. My bank said NO.
We find options through non-bank lenders who think differently.
3. I’m unsure about repayments.
We optimise your loan setup so your cash flow stays healthy and manageable.
4. I don’t know where to start.
We guide you step-by-step until you own your first investment property.
Everything You Want to Know About Investing
From deposits and equity to loan types and approvals - we’ve answered the key questions to help you invest with confidence.
What’s the minimum deposit for an investment property?
Some non-bank lenders offer investment loans with as little as 10% deposit, giving you more flexibility to get started sooner.
Can I use my existing home equity?
Yes, you can use the equity in your current home as a deposit for your investment property.
Are investment loans interest-only?
Yes, interest-only options are available to help improve cash flow — we’ll help you choose what suits you best.
Do non-bank lenders charge higher rates?
Not always. Non-bank lenders often provide flexibility and higher lending limits, even if rates are slightly higher.
How quickly can I get approved?
Most approvals take just a few business days, depending on your situation and lender choice.
Can I refinance an existing home loan to invest?
Yes, we can use your existing mortgage equity to help fund your first investment property.
Do I need prior experience to invest?
No, we help many first-time investors through every step — from planning to purchase.