Pair-Up by MapMy Financial Group

The best investment properties
don't wait for you
to save more.

Pair your capital with someone you trust. Unlock properties that are out of reach alone — lower risk, bigger opportunities, shared returns.

Your deposit $80k You
Their deposit $90k Your Partner
Together $170k

Couples do it. Business partners do it. Now you can too — properly structured.

Sitting on the sidelines
costs you more

Every year you wait to invest, property prices move further away. Your deposit stays the same while opportunities pass you by.

Waiting to save more

You're diligently saving, but property prices are rising faster than your deposit. The goal keeps moving.

Missing opportunities

Great deals move fast. By the time you've saved enough alone, the property — and the return — is gone.

Settling for less

With a smaller deposit, you're limited to lower-quality properties with weaker returns and slower growth.

What changes when
you pair up?

Same people. Same savings. Dramatically different outcomes.

Investing Solo
Paired Up
Deposit available
$80,000
$170,000
Property range
Up to ~$400k
Up to ~$850k
Property quality
Entry-level
Higher-growth areas
Individual risk
100% on you
Shared 50/50
Diversification
One property
Access to more
Time to invest
2–4 more years saving
Now

Apart, they were looking at apartments.
Together, they bought a townhouse.

S
Sarah, 31
Marketing manager · Renting in Auckland
Deposit saved
$80,000
M
Mike, 33
Software developer · Renting in Wellington
Deposit saved
$90,000
Paired-Up Purchase
$680,000 townhouse
3-bedroom in a high-growth Hamilton suburb · 5.8% gross yield
Estimated annual return
$39,440
Gross rental income (split 50/50)
Equity each (year 5 est.)
$145,000+
Based on 5% annual growth
Sarah alone
$400k apartment
1-bed unit · 4.2% yield · slower growth area
VS
Mike alone
$450k apartment
1-bed unit · 4.5% yield · average growth area

Three steps to
unlock more

Pair-Up isn't just about pooling money. It's about doing it properly — with structure, clarity, and professional guidance.

01

Find your pair

A friend, sibling, colleague — someone you trust. You both bring capital, goals, and commitment. We help you figure out if the fit is right.

02

Map your position

We map both your financial positions, set shared goals, and structure the partnership — ownership, costs, exit terms, everything clear from day one.

03

Invest & navigate

Find the right property, secure lending, and build wealth together. Your MapMy dashboard tracks everything — equity, income, and progress for both partners.

What could you
afford together?

Enter your deposit and your partner's. See what property range opens up — and what the return could look like.

Your Side
$
Partner's Side
$
Assumptions
Combined Deposit
$170,000
Estimated Property Range
$850,000
Based on 80% LVR
Estimated Returns
Gross rental income$46,750
Your share (50%)$23,375
Solo you could buy
$400,000
That's $450,000 less property

Because "what if" needs
a real answer

The biggest concern with co-investing is structure. We handle that — so you can focus on building wealth.

Clear ownership structure

Everything is documented from the start — who owns what percentage, how costs are split, and how decisions get made.

Exit terms agreed upfront

What if someone wants out? What if circumstances change? The exit path is mapped before you buy — no surprises.

Independent advice

Both partners get independent financial mapping. We work for both of you — ensuring the deal is right for each individual, not just the partnership.

Legal protection

Property sharing agreements, co-ownership structures, and insurance requirements — all handled properly through our network of specialists.

Everything you're
wondering

What if we disagree on a decision?

The partnership agreement sets out how decisions are made — from maintenance spending to when to sell. Major decisions require both parties. Day-to-day management thresholds are agreed upfront so small decisions don't become big arguments.

What if one person wants to sell and the other doesn't?

Exit terms are agreed before you buy. Options typically include the remaining partner buying out the other at market value, or a structured sale timeline. No one gets trapped — the process is clear from day one.

Do we need to contribute equally?

No. Ownership can be structured proportionally — if one person contributes 60% and the other 40%, ownership and returns reflect that. The key is that it's clear, documented, and fair.

Can I pair up with more than one person?

Yes — though the structure gets more complex. Two partners is the most common and simplest setup. Groups of three or four are possible with the right legal structure, but we'll walk you through what makes sense for your situation.

Does this affect my ability to buy my own home later?

It can — an investment property loan counts toward your borrowing capacity. We map this out during the financial assessment so you understand exactly how it affects your future borrowing before you commit.

What does Pair-Up cost?

The initial mapping session is free. If you proceed, our advice fees are transparent and agreed upfront — no hidden costs. Legal structuring costs are separate and depend on the arrangement, but we'll give you estimates before you commit to anything.

See what you could
unlock together

Tell us a little about your situation. We'll map your combined position and show you what's possible — free, no obligation.

100% free initial mapping
See your combined buying power
Understand the structure & risks
No obligation — walk away anytime
MMFG Pair-Up enquiry
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