Grow Your Property Portfolio. Free Expert Advice.
Buying your first rental or adding to a portfolio, we help you use your equity, structure the lending properly, and find the lenders that actually want investor business. Free advice, paid by the lender.
- Free advice, we are paid by the lender not you
- 20+ lenders including all major banks
- Equity release and top-up structuring
- South Auckland based, serving all of NZ
Check what you can borrow
Three quick questions. No cost, no obligation.
Step 1 of 4
Thanks, we have got your details.
One of our advisers will call or text you within one business day.
Our lender panel includes 20+ banks and lenders
How it works
Three simple steps from first chat to sorted. No jargon, no pressure.
Book a free chat
Tell us your situation by phone or the form. It only takes a few minutes and there is no obligation.
We work out your capacity
We check your usable equity and how each lender treats your rental income, then find the ones most likely to say yes.
You choose, we handle it
Pick the option that fits. We structure the lending, manage the paperwork, and see it through to settlement.
Who we help
Every investor situation is different. These are the ones we see most.
First rental purchase
Using the equity in your own home as the deposit on your first investment property.
Growing a portfolio
Already own one or more rentals and want to know what you can borrow next.
Self-employed investors
Income that does not fit a simple payslip. We know which lenders understand it.
Restructuring lending
Existing rentals financed badly? We look at whether a restructure frees up capacity.
Why choose Finance World?
Investment lending has more moving parts than a standard home loan. We handle the structuring, the comparison and the paperwork.
Free Expert Advice
Our advice costs you nothing. We're paid by the lender, not you, so there's no catch.
20+ Lender Panel
Lenders treat rental income and existing debt very differently. We know which ones suit investors.
Structured for Growth
How your lending is structured now decides whether you can buy again later. We plan for the next one, not just this one.
Varun Bhatti
Founder & Principal Adviser
Hardeep Grewal
Financial Adviser
Meet Your Advisers
Varun Bhatti has settled $100M+ in loans and is one of South Auckland's most trusted mortgage advisers. Hardeep Grewal brings 22 years of banking and finance experience, including senior banking roles in residential lending and credit assessment, so your application is presented the way lenders want to see it.
Based in Manurewa, Finance World serves clients across South Auckland and beyond. You deal with your adviser directly. No call centres, no handoffs. Our approach is simple: understand your situation, find the right lender, and get you the best possible outcome.
Testimonials
What our clients say
Verified reviews from our Google Business Profile.
“We have worked with our mortgage advisor through the purchase of multiple properties, and the experience has been excellent every time. They are professional, knowledgeable, responsive, and always take the time to explain the different lending options clearly. Buying multiple properties can involve some complicated financial situations, but they have consistently made the process straightforward and stress-free.”
Wharf Store, Port Waikato
Property investor
“Excellent service from start to finish! The team was professional, knowledgeable, and made the whole mortgage process simple and stress-free. They explained everything clearly, found a great option for us, and kept us updated throughout.”
Charanpreet Singh
Mortgage client
“Varun Bhati helped us secure a home loan when two other advisers couldn't. His knowledge of the process is second to none, and he made a stressful situation completely seamless. Professional, responsive, and genuinely cares about getting the best outcome. Finance World is the only adviser I'll ever use.”
Rachhpal Cheema
Home loan client
Common questions
The things people usually want to know before they get in touch.
Does it cost anything to use Finance World?
For most home loans there is no cost to you. We are paid by the lender once your loan settles. If a fee ever applies to your situation, we will tell you upfront before you commit to anything.
Will enquiring affect my credit score?
No. An initial chat and assessment does not affect your credit score. A formal application, which only happens with your go-ahead, may involve a credit check, and we will always explain that first.
How much deposit do I need for an investment property?
It depends on the lender and the property. Requirements for investment lending are generally higher than for a home you live in, and they change over time. We will tell you exactly where you stand for your situation before you start looking.
Can I use the equity in my own home?
Often, yes. Usable equity in your own home is the most common deposit source for a first rental. We work out how much is actually available and how to release it without upsetting your existing lending.
Can you help if my bank has already said no?
Often, yes. Every lender assesses rental income and existing debt differently, so a no from one bank is not a no from the market. We work with 20+ lenders and can look at options your bank cannot.
Do I have to be in Auckland?
No. We are based in South Auckland but work with clients right across New Zealand, by phone, email and video call.
Ready to buy your next property?
Find out what you can borrow before you start looking. Free advice, no obligation, no cost to you.