Investment Loan
Create Wealth Through Property
Whether you are looking to generate regular rental income or invest in a longer-term real estate opportunity, we can help you while you are taking control of your financial future.
We can get you the best rates and the lowest deposits putting your property ownership goals in your reach.
It is important to understand that the investment loan that you are getting meets your needs and goals and is structured around your financial situation.

Get an Investment Loan Package that suits your goals
Depending on what you are trying to achieve, Investments Loans can vary from something simple like a standard home loan to something more complex that allows you to make effective use of tax, gearing and repayments. You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.
Banks and Lenders are also very keen to seek out Investor Borrowers due to their equity position and borrowing history. You can use this position to secure the best loan package at the most competitive offer.
Talk to a Swift Mortgages Expert to get an investment finance package that is tailored to your personal investment position and is going to benefit as you you desire.
Hear what our clients have to say!
As a self-employed professional always on the move, I had little time to handle the details. Izaz went above and beyond—liaising directly with my accountant, lawyer, and bank to make sure everything was sorted. His guidance and expertise made the entire process stress-free, and today, we move into our family home.
We couldn’t have done it without his dedication and support. Now, we’re looking forward to meeting the Swift team for our Lemon Tree Ceremony—a special touch that truly sets them apart.
If you need someone who takes ownership, gets things done, and genuinely cares, Mr. Swift is the one to call. Highly recommended.
Highly recommend working with Izaz and his team at Swift.
From our very first meeting, Joyce demonstrated an impressive depth of knowledge and a genuine passion for helping us navigate every step of the mortgage process. Her ability to break down complex details into clear, manageable information gave us the confidence we needed to make informed decisions. Every question we had was met with a prompt, thoughtful response, and her proactive communication ensured that no detail was overlooked.
What truly sets Joyce apart is her unwavering commitment to her clients. Whether it was coordinating paperwork or addressing unexpected challenges, her super quick actions and attention to detail meant that everything was handled efficiently and with care. Thanks to her expert guidance, we now proudly call New Zealand our home, and the entire process was as easy and convenient as we could have ever hoped for.
If you’re in search of a mortgage manager who goes above and beyond, look no further than Joyce Ram at Swift Mortgages. Her professionalism, dedication, and personal touch have made all the difference, and we are forever grateful for her support in making our dream home a reality!
Ranjana was also very flexible with our schedule which not very many professionals offer anymore. Ranjana was always checking in with us and showed that she truly care about her clients. Thanks Ranjana for everything you have done for us. We would strongly recommend her to our friends and family 😊🙏
Thank you
Sherin and Vipin
Found him to be extremely professional, approachable and pleasant, going above and beyond in helping us be able to purchase a new home.
Meeting Izaz tonight also showed what a close knit team the swift family are.
Highly recommended this company to anyone seeking advice on a mortgage loan and what options you can have.
We were also given information on how to invest to obtain a future investment property.
Looking forward to working with Vinendra and the team in all future dealings.
Karl and Steph
Hi all, I just want to say this was an amazing experience with these guys, first mortgage brokers I have been to and they really hit it out of the park and then some.
First off, I will give a brief of my/our story then get into why you should go with these guys for Mortgage advice, Financial advice and other bits and pieces.
So, hello, my name is Dre. I went to Swift and saw Izaz in mid-late 2023 (If I recall correctly) and I was dealing with some major debt that was weighing on me heavy, I had BayCorp breathing down my neck, I had bills I was struggling to keep up with and I had financial stress on my mind for my future.
When I went into Swift, I met with Izaz, and we kicked it off from the very beginning. We connected, got to know one another a bit out of being open with one another, getting on each others level. I was vulnerable and open to the things that was going on in my life and he was very attentive to these things, he wrote them all down, went through almost step-by-step on what to deal with first, and then come back to him later on when some or even all were eliminated; he even kept all the papers we scribbled, doodled and planned on for next time we met.
I eventually got to the point where these debts were gone! Hallelujah! Praise God! I was getting my life sorted and back on track. I had then got into a relationship and soon to be engaged then, before my now wife and I went back to Izaz to bring both of our things to the table with Izaz and the Swift team.
Same thing, Izaz asked questioned, got to know us a bit more after life had played it's course and then we got down to business with our finances and our plans to buy a house.
Izaz was quick to call up his connections to help us out, and the first person he called (the real estate agent) actually stayed with us throughout the whole process and actually found us our first home which we are now in. Praise God!
Izaz is really good at what he does, he is very detailed, very open and honest, a good communicator and easy to get along with. He listens to your plans, goals, visions, troubles and struggles and he will do what he can to help you get past the barriers and into where it is you are wanting to go and wanting to be.
When it comes to mortgages, I had exceptionally low knowledge of them, Izaz made that knowledge increase by explaining things to me until "I" understood them, he is very patient and will answer your questions until you make sense of it within yourself.
Ever since I have had this experience with Swift, I have instantly recommended Swift to my friends and others who I hear are looking at buying a home or are having some struggles with finances.
Swift is definitely a must-go-to if you're wanting easy answers to hard questions, good listening and communication skills within this industry and down-to-earth people who, might I add, aren't just in it for the money, but are more about helping people reach where they want to go, with the visions and goals the people have.
The legacy that they are building from where they have been to where they are now to where they are going is an incredible journey and to show that, that have their own way of "planting" their landmark on the homes and in the hearts of people.
This "landmark" left on your property is something that, too, will benefit you and your family in the future and will be set as a reminder of the bond and how you got to where you are because of the help of Team Swift.
Swift is for the people!
Thank you Swift!
Regards
Dre
Dre & Juliet
Very clear in her dealings, highly professional and flexible work hours for busy / working people. Knows her job! Would recommend anyone without hesitation. A+++ service.
What an awesome person you are, great service provider in timly manner. We had complicated situation however she has made it easy for us. We found her to be very efficient, knowledgeable, professional and she kept us updated with every step, responding to our questions in timely manner. We are very appreciative with all you have done for us and thanks for your guidance, knowledge and perseverance, and all you have done for us🙏 We called in the last minute to cancel our 1st appointment thinking we won't be able to get through but you insisted for us to still just come over for a chat ... and I am glad that did asked us to come over eventhough we would be late for aptmt and that too was on Friday afternoon.... thank you Ranjana 😊
Ranjana took the time to thoroughly explain all my options, answering every question I had with patience and expertise. She truly listened to my needs and worked tirelessly to find the best loan that fit my financial situation. I felt supported every step of the way!
The communication was excellent; Ranjana kept me updated on the progress and was always quick to respond to any enquiries. It made what can often be a stressful process much smoother and more manageable.
I highly recommend Ranjana to anyone looking for a mortgage broker. Her professionalism, knowledge, and dedication to clients are truly commendable. Thanks to Ranjana, I’m now a proud homeowner!
We cannot thank you enough for the incredible support and love you have shown us throughout this journey. After a challenging financial year filled with numerous responsibilities, we never imagined that we would be able to purchase a home this year. But you made it possible! Your unwavering dedication and commitment have been instrumental in helping us reach this significant milestone. We are overwhelmed with gratitude and emotion, feeling a deep sense of pride in this achievement. It is such a special and indescribable feeling to have our names on the title of a property, especially one so far from our motherland, Fiji.
Your presence in our lives has truly been like that of an angel, guiding us with wisdom and protecting us at every step. We have always admired your professionalism and work ethic. Your organizational skills, meticulous attention to detail, and relentless hard work have been inspiring. You approached every challenge with grace and determination, and it has been a privilege to witness such dedication firsthand. We feel incredibly fortunate to have crossed paths with you, and we are so grateful for everything you have done to help us make this dream a reality.
We are eagerly looking forward to seeing you tomorrow to celebrate this accomplishment together. Once again, thank you from the bottom of our hearts.
With heartfelt gratitude and best wishes,
Shristi and Prashneel.
She is knowledgeable about the home loan process, providing detailed information and answering all my queries with clarity. She ensured I fully understood all aspects of the home loan, demonstrating their commitment to client education.
I recommend Ranjana-Swift Mortgages to anyone seeking expert assistance with home loans.
John & Jennifer
I explained my situation to Joyce who assured me by saying “I don’t see any issues here”. I supplied all the information Joyce requested. Within 2 weeks she had my security released. In addition to this Joyce got an extra mortgage approved for me. I have now sold my house and purchased another property.
Joyce by far is the most professional, intelligent and knowledgeable Mortgage advisor I have come across. Her knowledge in the banking sector is simply unmatched. Following is some of the attributes I absolutely adore about her
Promptly answered all my emails and phone calls
Always available to answer to all my inquiries
Returned my messages instantly
Regularly followed up with everything that was required
I can’t speak highly enough of her services. The entire experience from the moment I contacted her was simply exceptional!
I would highly endorse Joyce for her excellent service and expertise. Hence, she thoroughly earned my trust and loyalty.
I just wanted to express my gratitude to Shahvir and would like recommend anyone needing an insurance advisor to please reach out to Shahvir. He is amazing and professional and makes sure the job is done right. Thank you again Shahvir for helping us and continuing to support us as our advisor.
Best service
Best people
Very Reliable
Highly Recommend
Jessie and Neeroth Singh
Thank you to Izaz and the team.
However Izaz from SWIFT Mortgages saved the day (and my bank accounts!)
I chose to work with SWIFT Mortgages rather than directly going to the bank because SWIFT are connected to many lenders which meant they could find me the best deal across the banks.
Izaz truly values people and the community and donates to organizations generously. I saw his care for others at a recent charity event and instantly knew I wanted to work with him because of his good character.
From the moment we shook hands to signing the papers, the service has been nothing short of amazing.
Not only can I now easily maintain my loan payments (through a restructure), but I am also now able to purchase another property thanks to Izaz's great solutions and his ability to leverage his relationships with banks and his smart thinking.
I highly recommend any of my family/ friends and community to work with Izaz and the team at SWIFT Mortgages whether they want to purchase a 1st home, investment property, re-structure loans or even get insurance advice.
These are people you can trust to serve you and help you achieve your dreams.
Thank you so much Izaz and the SWIFT Mortgages team,
#champions
Me and my partner are so glad that we got to attend the seminar at Swift Mortgage and had the opportunity to meet lawyers, finance advisors and discuss our situation.
I didn’t had the best credit score and went to see Izaz with very little hope and 1 rejected home loan application from bank. Despite this, he managed to get us approval from bank whereas i was told by previous mortgage advisor that i have to wait for another 3-4 years.
@Izaz - I do not have any words to describe how happy we are. Thank you so much for what you have done for us.
May God Bless you Izaz . Leaving this review here so hoping someone like me can connect with you and give you the Blessings.
Despite our previous loan application rejection from bank , Ranjana worked swiftly and efficiently.
Her dedication made the seemingly impossible possible.
Ranjana’s expertise and hard work made the property purchase process easy.
She navigated complexities, ensuring we could buy our investment property.
We can’t adequately express our thanks to Ranjana.
Her commitment changed our lives, and we’re forever grateful.
In summary, Ranjana Singh’s unwavering efforts and exceptional service deserve applause. 🏠🌟🙏🙏😊👍
Thank you so much for your hard work and dedication,.You helped make our dream of owning a home a reality, and we can't thank you enough!"
I want to express my heartfelt thanks for your assistance in securing our mortgage. Your professionalism and knowledge were impressive, and we appreciate everything you did for us ❤️
With lots of thanks @Rjsh Goundar and @Shital Goundar
Meysum was incredibly calm, easy to work with and gave us a bunch of great advice. He was there throughout the entire process and very quick to respond to our queries. I highly recommend giving them a try if you're in the market to buy your first or next property. Thank you guys very much!
Warm regards,
Deepak & Swastika
Throughout the process, Izaz was always available to answer our questions, provide detailed explanations, and offer sound advice. Their expertise in the mortgage market was evident, and they worked tirelessly to ensure we got the best possible rate and terms.
What impressed us most was Izaz's ability to make the complex mortgage process felt straightforward and stress-free. Their communication was clear and timely, and they consistently went above and beyond to meet our needs.
We highly recommend Izaz to anyone in need of a mortgage broker. Their commitment to client satisfaction and a deep understanding of the industry make them an outstanding choice.
Thank you, Izaz, for making our home-buying experience so positive!
Mandus & Ginny
Based it Christchurch we thought is would be hard to communicate with a broker in Auckland but Ranjana made everything so easy.
She has prompt with her communication to us and the bank and kept us informed every step of the way. She provided us an awesome solutions and her service was excellent. We would like to highly recommend Ranjana.
Thanks Pritishna/Sarend😊
For starters she made the entire process so smooth and comprehensive that even a reclusive laymen like myself felt at home and able to comprehend any nuances that I might have otherwise missed.
I was offered a plethora of loan options that fit my needs and budget, and patiently guided through the pros and cons of each one.
She was always available if I had an inquiry or needed reassurance. And I would be remiss if I didn’t add that the warm and inviting environment she has created for her clients was a major bonus!
Overall my experince was 5 star and I couldn’t recommend her and her team more to anyone looking to purchase a home.
Best regards, from a very satisfied customer.
Communication with Joyce was outstanding. She was always accessible, responsive, and proactive in keeping me informed every step of the way. From sourcing the best rates to guiding me through paperwork, their attention to detail and dedication to client satisfaction were evident at every turn. I highly recommend Swift Mortgages to anyone in search of top-notch mortgage assistance. Thanks, Joyce for being the best part to fulfilIing my dream.
We strongly recommend swift mortgages they are best.
Ranjana is the perfect person for all your financial needs and advice! Highly Recommend! 🙂
We strongly recommend Swift Mortgages they are the best.
We were lucky to have Joyce as our Advisor on achieving the goal of our lives. Swift (Joyce) was there for us through out our process until and also after shifting to our First home, guiding and providing with the information and knowledge which we needed to make the best of decisions that would suit our need.
I highly recommend choosing Swift for all of the service they provide.
Responds quickly, understands the requests, communicates well and gets the job done under pressure... He knows what he is doing and does it in a timely manner.
Thank you so much IZAZ Bhai for making our dream come true
Highly recommend
From: Shaleshni and Avinesh