Property Portfolio Review

Know exactly
where your
portfolio stands.

One conversation. Every property scored. Opportunities identified. Whether to hold, sell, renovate, or restructure — you'll know the answer.

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Portfolio Overview — 3 Properties May 2026
Property 1
14 Elm St, Hamilton
3bd · Est. value $760k · Mortgage $340k
4.8% yield
A
On track
Property 2
7 Rata Rd, Cambridge
2bd · Est. value $540k · Mortgage $290k
3.1% yield
B
Review needed
Property 3
22 Tui Pl, Te Awamutu
3bd · Est. value $620k · Mortgage $410k
2.4% yield
C
Opportunity
$1.92M
Portfolio value
$412k
Total equity
3.4%
Avg. yield
2 opportunities identified — minor dwelling + interest-only restructure
NZ weatherboard home
Identify the upside
NZ townhouse
Know your numbers
NZ apartment building
Make better decisions
What We Uncover

Five ways to improve
what you already own.

Most investors are leaving money on the table without knowing it. A review finds it.

Renovate & Lift Yield

Targeted spend that moves the rent — not cosmetic updates that don't.

3.1%
Before
→
4.8%
After
+$68/wk rental income

Add a 70m² Dwelling

A second dwelling on the same title. Two rents, one land cost.

Main
+
New · 70m²
+$380–480/wk income

Interest-Only Structure

Redirect P&I repayments into higher-return investments. Improve cashflow now.

P&I now
-$2,840
I/O switch
-$1,760
$1,080/mo freed up

Sell or Hold?

The right answer depends on your equity position, tax, and what comes next. We model both.

Hold
5yr equity
+$186k
Sell
Net proceeds
$148k
We model the full picture

Upgrade the Property

Not all upgrades are equal. We identify the ones that lift value and attract better tenants.

+$40k
Kitchen
+$28k
Bath
+$12k
Paint
+$9k
Garden
Value lift by improvement type
What You Get

A report on every property — with clear next steps.

No generic advice. Your specific properties, scored against the market, with ranked actions.

Yield & equity position per propertyHow each property performs against current market benchmarks.
Opportunities ranked by ROIWhat to act on first — minor dwelling, reno, IO switch, or sell.
Loan structure reviewCurrent vs optimal structure — P&I vs interest-only, split lending, offset.
5-year equity projectionWhere each property takes you — and what the full portfolio looks like by 2030.
Portfolio Review — Sample Report Confidential
5-Year Equity Projection
2026 2028 2030
Current path
Optimised
Yield vs. Market Benchmark
14 Elm St
4.8%
7 Rata Rd
3.1%
22 Tui Pl
2.4%
Market benchmark: 3.8% ↑
Priority Actions
1
22 Tui Pl — Add minor dwelling. Est. +$430/wk. Council consent feasible.
2
7 Rata Rd — Switch to interest-only. Saves $880/mo. Redeploy to offset.
3
14 Elm St — On track. Review rate at next rollover (Aug 2026).
How It Works

Three steps to clarity.

1

Share your portfolio

Addresses, rough valuations, current mortgages. 10 minutes to pull together. We do the rest.

2

We run the analysis

Yield, equity position, loan structure, opportunity mapping — scored and compared to market benchmarks.

3

Review together

A 45-minute session walking through every property and every opportunity. You leave with a ranked action list.

Jonathan Smith — Property Adviser
Jonathan Smith
Property & Portfolio Adviser
Your Adviser

I'm Jonathan.
Most portfolios have
untapped upside.

I've reviewed dozens of NZ investment portfolios and the pattern is the same: most investors are sitting on opportunities they don't know exist. The wrong loan structure, a yield gap that a minor dwelling would close, or a property that's better sold and redeployed.

"The review takes an hour. The results last years."
  • I'll tell you honestly if a property should be sold — even if we can't help with the sale
  • The review is free — we're paid when we place lending or insurance
  • No obligation to act on anything in the report
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Step 1 of 3

Jonathan will be in touch within one business day to schedule your review.

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FAP Licensed · FMA Registered