★   Sample Report — Names and figures are illustrative   ★
MapMy Financial Group
Property Portfolio
Review Report
Prepared for: Andrew & Sarah Thompson
Confidential
Report Date
May 2026
Adviser
Jonathan G.
Properties Reviewed
3 properties
Portfolio Value
$1.92M
Executive Summary
Your portfolio at a glance
3 investment properties reviewed across Hamilton, Cambridge and Te Awamutu. 2 clear opportunities identified that could add $18,400/yr in after-tax cashflow.
A
14 Elm St, Hamilton
3bd · Mortgage $340k · Hold & develop
4.8%
gross yield
B
7 Rata Rd, Cambridge
2bd · Mortgage $290k · Restructure loan
3.1%
gross yield
C
22 Tui Pl, Te Awamutu
3bd · Mortgage $410k · Review & decide
2.4%
gross yield
Total Portfolio Equity
$412k
Across all 3 properties at current valuations
Annual Cashflow Opportunity
+$18,400
Minor dwelling + IO restructure could unlock this within 12 months
Avg. Gross Yield
3.4%
Market benchmark for similar NZ portfolios: 3.8–4.5%
Key Findings
What we found in your portfolio
Opportunities are ranked by estimated annual cashflow impact.
Minor dwelling opportunity at 14 Elm St, Hamilton
The 680m² section has unused rear yard that meets Hamilton City Council's minor dwelling rules. Adding a 65m² one-bedroom unit could generate an additional $14,000–$16,000/yr in rental income at current Hamilton yields, with estimated build cost of $140–170k.
+$15k/yr
7 Rata Rd loan is on principal & interest — wrong structure for your situation
With the equity you've built in Hamilton and your tax position, switching 7 Rata Rd to interest-only for 2 years would free up ~$320/month in cashflow. We can negotiate this with your current lender or across the market.
+$3.8k/yr
22 Tui Pl yield is below market — hold decision recommended by 2027
At 2.4% gross yield and $410k mortgage, this property is your weakest performer. Capital growth over the last 3 years has been modest (est. 6%). We recommend reviewing the hold/sell decision in 12 months when the fixed rate expires and market conditions are clearer.
Monitor
Property 01 of 03
14 Elm Street, Hamilton
3 bedroom · 2 bathroom · 120m² floor · 680m² section · Built 1998
A
On Track
Est. Value
$760k
CoreLogic May 2026
Mortgage Balance
$340k
LVR: 44.7%
Gross Yield
4.8%
$700/wk rental
Equity
$420k
Usable: ~$168k
Loan structure
Loan typeP&I
Interest rate6.29%
Fixed expiryOct 2026
LenderANZ
RecommendationHold structure
Yield breakdown
Gross yield
4.8%
Net yield
3.9%
Market avg
4.2%
Recommended Action
Build minor dwelling on rear section
The 680m² site exceeds Hamilton's 550m² minimum for a minor dwelling consent. A 65m² one-bedroom unit at the rear would generate an estimated $270–$310/wk additional rental income. We can refer you to an architect and builder we trust for feasibility quotes.
Est. cashflow uplift: +$15,000/yr · Build cost: $145–175k
Property 02 of 03
7 Rata Road, Cambridge
2 bedroom · 1 bathroom · 85m² floor · 450m² section · Built 2004
B
Review Needed
Est. Value
$540k
CoreLogic May 2026
Mortgage Balance
$290k
LVR: 53.7%
Gross Yield
3.1%
$320/wk rental
Equity
$250k
Usable: ~$80k
Loan structure
Loan typeP&I — recommend IO
Interest rate6.59%
Fixed expiryFeb 2027
LenderWestpac
RecommendationSwitch to IO at refix
Yield breakdown
Gross yield
3.1%
Net yield
2.3%
Market avg
4.2%
Recommended Action
Switch to interest-only at February 2027 refix
Your current P&I repayments on this property are $1,820/month. Switching to IO at a competitive rate (currently available at ~6.25% IO) would reduce this to ~$1,510/month — freeing up $310/month ($3,720/yr) in cashflow. Given your equity position and overall LVR, lenders will approve this comfortably.
Est. cashflow uplift: +$3,720/yr · Action required: Feb 2027
Property 03 of 03
22 Tui Place, Te Awamutu
3 bedroom · 1 bathroom · 105m² floor · 620m² section · Built 1985
C
Opportunity
Est. Value
$620k
CoreLogic May 2026
Mortgage Balance
$410k
LVR: 66.1%
Gross Yield
2.4%
$285/wk rental
Equity
$210k
Usable: ~$36k
Loan structure
Loan typeP&I
Interest rate6.85%
Fixed expiryJun 2027
LenderBNZ
RecommendationHold — review at refix
Yield breakdown
Gross yield
2.4%
Net yield
1.6%
Market avg
4.2%
Recommended Action
Monitor and decide at June 2027 refix
At 2.4% gross yield and 66% LVR, this is your most capital-intensive, lowest-returning property. The 1985 build limits development potential and the Te Awamutu market has shown moderate growth. We recommend holding until the June 2027 refix — at that point we'll run a full sell vs. redeploy analysis against the market and your portfolio goals.
Next review: June 2027 · No immediate action required
Portfolio Projection
Equity trajectory — current vs. optimised
Assumes 3.5% p.a. capital growth across all properties. Optimised scenario includes minor dwelling income and IO restructure from 2027.
Current trajectory
Optimised (recommended actions)
$400k $550k $700k $850k 2026 2027 2028 2029 2030 2031 $800k $860k
Current (2031)
$800k
Portfolio equity
Optimised (2031)
$860k
Portfolio equity
Additional equity
+$60k
By following recommendations
Prioritised Actions
Your ranked action plan
Actions are ranked by estimated annual cashflow impact. We'll work through these with you in order.
# Action Priority Cashflow Impact Timeline
1
Build minor dwelling — 14 Elm St
Hamilton · Council consent required · ~6 month build
 High
+$15,000/yr
once tenanted
 Q3–Q4 2026
2
Switch 7 Rata Rd to interest-only
Cambridge · At February 2027 refix · No cost to switch
 High
+$3,720/yr
cashflow freed
 Feb 2027
3
Review 14 Elm St rate at refix
Hamilton · October 2026 · Current 6.29% — market may be lower
 Medium
+$800–2,400/yr
est. depending on rate
 Oct 2026
4
Hold/sell decision — 22 Tui Pl
Te Awamutu · June 2027 · Full sell vs. redeploy analysis
 Monitor
TBC
pending analysis
 Jun 2027
Loan Structure Review
Current vs. recommended structure
Switching one property to interest-only and securing a better rate on Hamilton could save you $4,500–6,000/yr.
Property Current Rate Recommended Est. saving Action
14 Elm St, Hamilton P&I · ANZ 6.29% Refix P&I · shop market $800–2,400/yr Oct 2026
7 Rata Rd, Cambridge P&I · Westpac 6.59% IO · negotiate at refix $3,720/yr Feb 2027
22 Tui Pl, Te Awamutu P&I · BNZ 6.85% Hold — review at refix TBC Jun 2027
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