Free eBook for NZ Property Investors

Don't Get Caught in the
One Bank Trap

Keeping all your lending with one bank feels simple and convenient — until that bank changes the rules on you. This free eBook reveals the split-banking strategy experienced investors use to stay in control as their portfolio grows.

How to release new equity as your portfolio grows — and use it to fund your next purchase
The 4-stage debt structure that maximises borrowing capacity
Real client case studies — and the six-figure costs of getting it wrong
Practical rules: domino lending, one-one-one, and avoiding cross-collateralisation

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Why It Matters

One bank. One set of rules. One point of failure.

When all your lending sits with one bank, every property you own is exposed to that bank's rates, criteria and decisions. Inside the eBook you'll see exactly what that can cost you:

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Your family home is cross secured into your investment propertiesCross-security means a problem with one property can put your own home on the line.
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The bank can keep your sale proceedsSell a property and the bank may take the lot to service your other debt — leaving you with nothing in hand.
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You hit the "lending wall" soonerBanks tighten criteria at different times. With one lender, one policy change can stop your growth dead.
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Interest-only rollovers get harderWhen your interest-only term ends, one bank holds all the cards on what happens next.

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Her repayments were about to jump from $120,000 a year to nearly $300,000 — more than double, and far beyond what her rental income could cover.

Real case study from the eBook — investor with 5 properties and $3m of lending, all with one bank

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Instead of freeing up $275k in working capital, the entire property sale went to reduce debt — leaving the client under more pressure than before.

Real case study from the eBook — what happens when one bank holds all the security

What's Inside

A practical playbook, not theory.

24 pages of the structuring strategy we use with serious property investors every day — with diagrams and real numbers.

CHAPTER ONE

The trap that catches good investors

See how the "normal" way of banking quietly stacks the odds against you and why cross-security puts your own home on the line.

CHAPTER TWO

Build a structure that maximises borrowing

Learn the optimal debt structure top investors use to keep deposits available, get the right pre-approvals, and release equity to fund the next purchase.

CHAPTER THREE

Protect what you've built

Practical rules and structures — domino lending, one-one-one, no cross-collateralisation — that reduce your risk and keep your assets safe long-term.

Who's Behind the eBook

Kris Pedersen Mortgages

Kris Pedersen Mortgages was established in 2007 after observing areas of the residential mortgage market where clients were being declined when a solution was available — or given an answer that wasn't in their best long-term interests.

Since then KPM has become the choice for property investors who are serious about expanding their portfolios. The team has been ranked among the top mortgage advisory businesses in the country since 2017, works with over 20 bank and non-bank lenders, and built the split-banking structures in this eBook through years of getting deals across the line where others couldn't.

Award-Winning Advice Established 2007 Property Investment Specialists

What Investors Say

Trusted by serious property investors.

★★★★★

"He has managed to pull off a loan approval when the banks are holding on to their money for life and look for reasons to shoot down loan approvals. We are very impressed and he is a great asset to your team."

Lisa Swanepoel

Client