Portfolio Mortgage Review
Trapped Equity, Lending Walls, Cash Flow... Let's Unlock Your Next Move.
A Free Review to Optimise Your Cash Flow, Rates, and Structure
This is not your typical "review." It's a comprehensive, data-driven analysis of your current holdings designed to improve your financial position.
We delve deep into your portfolio to improve cash flow, reduce interest costs, and optimise your mortgage structure. We identify opportunities, manage risks, and ensure your investments are aligned with your long-term goals.
Prefer to dive straight in? Email us your spreadsheets at support@blueprintfinance.co.nz and we'll take it from there.
What We Analyse in Your Strategy Session
Instead of asking you vague questions, we look for specific strategies:
Your Loan Structure: Is your current setup costing you thousands in unnecessary interest? We analyse your entire structure for cash flow optimisation.
Bank Lending Walls: Are you hitting a ceiling with your current bank? We review your position and capacity to identify clear pathways for continued growth.
Asset Protection: We identify portfolio risks, such as cross-secured assets, to ensure your family home and key assets are protected.
Ownership Structure: Is your ownership (e.g., Trusts, LTCs) still the right fit? We assess your structure for tax efficiency and long-term goals.
Trapped Usable Equity: We identify and quantify the usable equity trapped in your portfolio and build a plan to release it for your next move.
The Details
Investor Restructure Outcomes
Four properties and seven loan facilities, costing $14,796 a month. Most of the debt wasn't tax-deductible, everything was on principal and interest, and six of the seven loans were due to re-fix inside a nine-month window in 2026 — putting every rate decision into the same period.
We restructured the lending into three interest-only tranches with staggered 2-, 4-, and 3-year fixes, used cash-back to cover the transition costs, and moved the rentals into an LTC. We also set up a $100k revolving credit against their $47,200 in savings, so spare cash now works to pay the debt down faster.
Same total debt, better tax position, and no maturity wall in 2026. Repayments dropped to $9,239 a month — that's $5,557 back into their cash flow every month, or $66,684 a year before any rate movement.
Ready to Review Your Portfolio?
-
For Growing Investors
Ready to scale? We'll review your lending structure, identify trapped equity, and build a clear pathway to your next property — even if your current bank says no.
-
For Existing Homeowners
Thinking about turning your current home into a rental? We'll model the numbers, structure the lending, and make sure the transition works for your long-term goals.
-
Need Finance for a New Purchase?
Found a deal and need to move fast? Our quick purchase service fast-tracks your application so you can go unconditional before the deadline.