With interest rates at an all-time low and capital gains tax now out the window, it may be time to look at your home loans. James Kingscote from Mike Pero Mortgages based in Wanaka, works with investment buyers along with their accountants to personalise their debt to the best of their advantage. Now is an excellent time to consider the way your mortgage is broken down and to optimise the way you repay your loans. We have seen a large increase in house prices in recent years and a lot of our clients have gained an enormous amount of equity in their properties. It could be a great time to leverage off your existing property in order to grow your rental portfolio, and a mortgage adviser is the best place to get free advice and to see if it is possible.