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Split banking means deliberately spreading your property loans across two or more banks rather than holding all mortgages with one institution. For example, an investor with four properties might maintain two properties with Bank A and two with Bank B, or distribute them across three banks.

Split Banking Explained: Why Smart NZ Investors Use It

Picture of Trent Bradley Trent Bradley

Split banking – maintaining property loan facilities across multiple banks rather than concentrating everything with a...

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This guide explores how to structure property loans strategically to maximize portfolio growth, maintain flexibility, and optimize your position for long-term success.

How to Structure Your Property Loans for Maximum Growth

Picture of Trent Bradley Trent Bradley

Loan structuring represents one of the most overlooked yet impactful decisions property investors make. How you...

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Understanding the difference between good debt and bad debt is fundamental to successful property investment.

Good Debt vs Bad Debt: How to Leverage Property Safely

Picture of Trent Bradley Trent Bradley

Understanding the difference between good debt and bad debt is fundamental to successful property investment. Not all...

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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

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