Tauranga and Papamoa
Home and investment property loans in Tauranga
Buying your first home in Papamoa, a rental near the Mount, or refinancing in Bethlehem? Tell us a little about your plans. We gather a few details and arrange for someone local to the Bay to get in touch to discuss your options.
Quick take
All of Tauranga and the Western Bay.
From Katikati and Ōmokoroa to Papamoa and Te Puke.
Investors welcome.
Rentals, holiday homes and growing portfolios.
New builds are common here.
Growth areas mean plenty of house and land packages.
One short form.
Someone gets in touch at a time that suits you.
The Tauranga market, in general terms
- A growing city. Tauranga has been one of the faster growing parts of New Zealand, with new subdivisions in Papamoa East, The Lakes and Pyes Pa.
- A mix of buyers. First home buyers, families moving from Auckland, retirees and investors all compete for property here.
- Rental demand. The port, the hospital, horticulture and the university campus in the CBD all bring people who rent.
Investment property in Tauranga
- Popular rental areas. Investors often look at Greerton, Gate Pa, Merivale, Welcome Bay and the Mount.
- Holiday homes. The Mount and Papamoa beachfront attract short stay and holiday homes, which some lenders may treat differently to a standard rental.
- New builds. New build rentals in growth areas are a common choice, and some lenders may look at these differently to older homes.
How it works
Suburbs and towns we cover
Wherever you are in the Western Bay of Plenty.
Coast
- Mount Maunganui
- Papamoa
- Papamoa East
- Arataki
- Omanu
Central and south
- Tauranga CBD
- Greerton
- Gate Pa
- Pyes Pa
- The Lakes
- Welcome Bay
- Ohauiti
West and north
- Bethlehem
- Ōtūmoetai
- Brookfield
- Matua
- Ōmokoroa
- Katikati
East
- Te Puke
- Pāengaroa
- Maketu
What to have handy
- Rough deposit or equity you could use
- Your income, and any rental income you already earn
- Details of your current loans and other debts
- The property address or listing, if you have one
- Whether you plan to buy in your own name, jointly or another structure
Building in Papamoa East or The Lakes?
Construction and house and land loans work differently. Read our construction loans guide for how staged payments generally work.
Get more information on a Tauranga home or investment loan
About 2 minutes. We gather a few details and arrange for someone to get in touch to discuss your options.
Common questions
- Do you cover Papamoa and the Mount?
- Yes. We cover all of Tauranga and the Western Bay, including Papamoa, Mount Maunganui, Te Puke, Ōmokoroa and Katikati.
- Can I get a loan for a Tauranga rental?
- Some lenders may lend on rentals anywhere in Tauranga. The deposit and how rent is counted vary between lenders.
- Is a holiday home treated like a rental?
- Not always. Some lenders may treat a short stay or holiday home differently to a long term rental.
- What happens after I leave my details?
- We gather a few details and arrange for someone to get in touch at the time you choose to discuss your options. There is no obligation.