Loan options.

If you're already a homeowner, you're probably familiar with home loan options like fixed or floating, or even splitting your loan across both. The floating portion gives you the flexibility to make lump sum payments, while the fixed portion helps to spread risk if interest rates go up or down. To help demonstrate this, here are some different examples of how you might split your loan between fixed and floating rates.

Types of ownership.

There are different ways in which property ownership can be structured, you may not own your investment property in the same way you own your home. You might consider owning your investment property:

  • Individually or jointly
  • As trustees of a trust
  • Through a company or other entity such as a partnership.

Choose the ownership structure that suits your individual circumstances and goals. Your accountant, lawyer and/or Financial Adviser can help you decide.

See IRD's website for information on tax treatments for different ownership types.

Other considerations.


There may be tax implications from owning a residential investment property. Talk to your accountant, tax adviser and/or lawyer for financial, taxation and legal advice for your circumstances.

Keep records

Keeping accurate records of your property is essential. This includes records of ownership, renovation work, and management of your tenants. You should also keep proof of your income and expenditure for tax purposes.

We can help.


Find the best option for you with our home loan calculators.

Get in touch.

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Things you should know.

1 Conditional approval requires a credit check and confirmation of the details provided in your application. Other conditions may also apply depending on the nature of your application.

The material on this webpage is provided for information purposes only and is not a recommendation or opinion in relation to property investments or home loans. The information on this webpage does not take your particular financial situation or goals into account.

Interest rates are subject to change. Westpac's home loan lending criteria and terms and conditions apply. An establishment charge may apply. A low equity margin may apply. An additional fee or higher interest rate may apply to home loans if the application is accepted but does not meet the standard lending criteria.

Westpac accepts no responsibility for the availability or content of any third party websites to which this article may link or refer.