Property Portfolio Review NZ — MapMy Financial Group
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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★★★★★ 5.0 on Google · FAP Licensed · FMA Registered · Free advice
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
Standalone family home
Standalone home
Modern townhouse
Townhouse
Small cabin second dwelling
Second dwelling
Jonathan Smith — Mortgage & Investment Adviser
Jonathan Smith
Mortgage & Investment Adviser
Your Specialist Adviser

Mortgage and investment —
both in your corner.

Most advisers focus on one or the other. I'm qualified in both Residential Lending and Investment Advice — and that combination changes what's possible for you.

Financial planning that's joined up
Your mortgage structure, your portfolio, and your long-term goals all inform each other. I look at the full picture — not just the loan in front of me.
Debt reduction done strategically
Not just pay it down faster — but structure debt in a way that frees up capital, improves serviceability, and sets you up for the next move.
Opportunities others don't see
Interest-only restructures, minor dwellings, equity releases, yield optimisation — I look for angles that a standard bank adviser isn't incentivised to find.
★★★★★
"Jon's advice went far beyond just getting a mortgage — he helped us see the bigger picture." — Google Review
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