Get the money you need to invest & kickstart your property portfolio.

Use a Catalyst Financial mortgage broker to get the money for your investment

Ed McKnight

Ed McKnight

Economist, property investor and host of the Property Academy Podcast
Grow your portfolio

Ready to launch and grow your property portfolio?

Maybe you want to finally create that passive income you’ve been dreaming of, increase your cash flow or grow your wealth.

You’ve got the desire; you’ve got the drive; you probably have the equity sitting there in your property … you just need one more thing.

The Money.

So, how do you get it?

There are two paths you can go down.

Should I go directly to a bank or use a mortgage broker?

To fund your investment property, you can either go directly to a bank or use a Mortgage Broker.

“But, which is better for me?”

Well, if you go to a bank, they’ll ask you how much you want to borrow, you’ll fill out some forms, and they’ll give you a “yes” or “no” answer.

If you get a “yes”, it’s simple.

If it’s a “no” it’s hard.

Because the bank isn’t going to tell you – in detail – why you failed. And they're not going to tell you how to change what you put on the application to turn that “no” into a “yes”.

And even if you get a “yes” the bank isn’t going to show you the best way to set up your lending so you're more likely to get a “yes” again the next time you apply for more money.

Their role isn’t to advise you on how to build a portfolio …

It’s simply to say “yes”, or “no”.

But with a mortgage broker on your side, you’re more likely to get a “yes” in the first place.

Not only will a broker run the admin and talk to the bank for you, but a good mortgage broker will:

  • Massage your mortgage application to present you in a better position than if you went to the bank directly
  • Tell you if you need to reduce your credit card limit by $10,000 so the bank will approve your lending application
  • Move your mortgages between the banks to free up equity so you can borrow more
  • Change your loan terms so your income looks better to the bank, or if needed
  • Consolidate your short-term consumer debts into your home mortgage so you get the bank’s tick of approval.

Each bank has a 20+ page lending policy document dictating how they assess your mortgage application.

A good mortgage broker won’t just know the policies, they’ll help you adapt your application so it fits the bank’s policies.

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Why Catalyst?

Why should I use a Catalyst Mortgage Broker?

Here at Catalyst, we specialise in helping property investors get their mortgages approved.

It’s what we do all day, every day.

That means that when you work with a Catalyst mortgage broker, you’re working with someone who gives you the best shot at getting your mortgage application approved.

You’re also working with someone who can explain why your application might have got a “no” for now … and exactly how to turn it into a “yes” in a few months time.

Our sister-company, Opes Partners, are the leaders in property investment in NZ, and together we create more content about property investment than anyone else. That means you'll have the confidence that your mortgage broker knows their stuff.

We’re also opinionated about how to set up mortgages the right way for the long term.

We believe your assets will be more secure, and you’ll be more likely to get your next mortgage approved if you use a split banking strategy. That means spreading your mortgages across multiple banks.

This takes more time for us to set up, but it puts you in a better and more protected position for the future.

In fact, other mortgage brokers have contacted us asking us to stop talking about split banking so much … because if their client's ask for it it means more work for them.

We don't care.

Even though it’s more work, we won’t stop talking about it because we know that it’s the right thing for property investors who want to grow a portfolio.

We do all of this so you can avoid lying awake at night, wondering if your mortgage application will be rejected. You'll be able to sleep more comfortably, knowing that you're in the best position to get your loan approved.

How much will it cost?

How much does it cost to use a Catalyst Mortgage Broker?

It’s free. Doesn’t cost you anything. Nada.

And that’s because – like most mortgage brokers – we get paid by the bank when you successfully get and use your loan to invest.

There are no hidden fees or surprises once your loan has been approved.

With access to multiple choices, including major banks and private lenders, you can get your loan approved without it costing you a cent.



I’m unsure if I can afford to invest yet. Is it still worth coming in to see you?

That’s OK, there’s no one calculator online that will give you a “yes” or “no” answer on whether you’ll definitely have your mortgage application approved.

If you're unsure about whether you’ve got the deposit to invest, use this equity calculator to see whether you might be ready to go.

But, even better. If you submit the above form, we’ll walk through your numbers and see if you’re likely to get an approval from the bank.



What exactly will the process look like with a Mortgage Broker?

Once you submit one of the forms on this page, we’ll give you a call to chat through your numbers and understand your wants, needs, and what you want to achieve through property investment.

The next step is to put together your loan application and send it to the lenders who are most likely to give you approved.

Throughout this process, we assist with meeting any of the bank’s conditions and can recommend other professionals who you need at different stages of your property investment journey.

We’ll negotiate the best interest rate with the bank and make sure we’re setting up your loans so you can keep borrowing money in the long term.

We’re always just a call away and will provide ongoing support and advice at all stages of your property investment journey.

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Ed McKnight

Ed McKnight

Ed McKnight is the host of the Property Academy Podcast – NZ's #1 business podcast. He is an economist, having studied at the University of Auckland and the University of Waikato. He's a frequent writer for Informed Investor Magazine and has contributed to NewsHub, Stuff, OneRoof and Property Investor Magazine.