Collaboration is in Hamish’s DNA. Hamish has created equiti with the ultimate goal of building better futures for all New Zealanders. He believes that is only through authentic collaboration that there can be equitable outcomes for everyone involved in growing wealth through property. That is the builders of property, purchasers and their financial advisers.
He’s drawn on his extensive 17 years of experience in both the financial services and new-build real estate industry to create equiti - an independent, impartial, online real estate platform, exclusively for financial advisers. He believes there is a real need for advisers to be empowered to facilitate real estate introductions in a fully complaint and disclosed way, where the ultimate winner is their client, as they are provided with a property solution that they know meets their financial needs. i.e. it’s what they can afford to buy and hold for the long-term. Win, win, win…
FAQ
Your Questions Answered
Welcome to Equiti, New Zealand's property investment coaching service. We guide buyers toward quality new build investment properties across the country. Below you'll find clear answers to the questions we hear most often. Use the sections to jump straight to what matters for you, whether you're a buyer, a financial adviser, or just getting to know us.
Equiti is paid by the property developers and builders we work with, not by you. When a property sells through our coaching service, the developer covers our fee. This means you can explore, select, and purchase a new build investment property with our guidance without paying us a cent.
It's a brand-new home, townhouse, or apartment purchased as a rental investment rather than as a place to live. Because it's new, you avoid many of the maintenance issues that come with older properties, and you may benefit from added efficiencies that come with modern builds.
Deposit requirements vary based on your lender and financial situation. Typically, investors need a larger deposit for existing properties due to Loan-to-Value Ratio (LVR) restrictions. However, new builds often qualify for more favourable lending conditions, sometimes allowing for a deposit as low as 20%. This makes them an attractive option for investors looking to enter the market or expand their portfolio with less upfront capital.
We coach clients on new build investment properties throughout New Zealand. Our available locations change as new developments are secured, so please get in touch to find out about properties in the regions that interest you.
Our all-inclusive packages are designed to be completely tenant-ready. This means the final price covers the entire build, along with all necessary fittings and finishes. From landscaping to the letterbox, your property will be move-in ready for tenants from day one, ensuring you can start generating rental income immediately. This transparent, fixed-price approach eliminates surprise costs and simplifies your budgeting process.
A rent guarantee assures you a set rental income for an agreed period, even if the property sits empty. All properties we coach you toward come with a rent guarantee, giving you complete peace of mind and financial security from day one.
The properties we guide you toward are sold at fixed prices set with the developer, so the price you see is the price everyone pays. This keeps things fair and transparent, with no haggling or hidden discounts behind the scenes.
Yes. Every property Equiti coaches you toward is offered at a fixed, transparent price. You'll always know exactly what you're paying upfront.
Absolutely. Using the equity in your home is a powerful strategy many investors use to fund their deposit, often without needing to use their cash reserves. To see if this approach is right for your financial situation, we recommend speaking with your financial adviser.
There's no single set figure, as lending decisions depend on your full financial picture, including income, existing debt, and equity.
The timeline depends on the property and its stage in the build process. A nearly complete turnkey home may settle quickly, while an off-the-plan purchase can take longer. We will guide you through a realistic timeline for any property you're considering.
Not necessarily. While many investors already own a home, what matters most is your overall financial position and your ability to secure lending.
Once you've signed the contract, the construction phase begins. You will receive regular progress updates directly from the builder. As the build nears completion, we'll guide you through a pre-settlement checklist to ensure everything is in order. Your deposit will be in place, with the balance due at settlement. For the most part, this is a hands-off period for you while the construction is underway.
Property management is arranged separately from your property purchase, and we can certainly point you in the right direction to find a trusted professional. Many of our clients choose to hire a property manager to handle tenants, rent collection, and maintenance, which allows them to enjoy a more passive, hands-off investment experience.
A due diligence clause provides a specified timeframe for you to conduct thorough checks on a property before your purchase becomes unconditional. It's an all-encompassing condition that allows you to assess every aspect of the property, from finance and legal reviews to reviewing the developer's plans and specifications. If, for any reason, the property doesn't meet your requirements during this period, you can walk away from the agreement.
Yes, many investors do. Having an existing mortgage doesn't rule you out. If you've had a mortgage on your home for five or more years, you've likely paid down a large portion of the debt, which can provide you with plenty of equity to invest. Even if you've only had your mortgage for a couple of years, it can still be worth a chat to see what's possible.
We coach clients on a range of new build options, including townhouses, standalone homes, and dual-income properties. The mix available depends on current developments across New Zealand.
Yields vary by property type, location, and the wider rental market. While we aim for a minimum yield of 4%, this can fluctuate. For example, Auckland properties might sit around 3.8%, while others can reach upwards of 5%. We'll walk you through the specific details of each property, which can help you weigh up the numbers to understand its potential.
This is a valid concern for any new build, which is why we have robust measures in place to protect your investment. We partner exclusively with reputable developers who have a proven track record and strong financial standing. Your deposit is securely held in a solicitor's trust account until settlement, ensuring it's not at risk. Furthermore, the sale and purchase agreement contains specific clauses designed to protect you in the event of a builder's failure. We always recommend reviewing the contract with your solicitor to fully understand these safeguards.
Yes, absolutely. While we often partner with financial advisers, you don't need one to work with us. We're happy to coach you directly, or we can collaborate with your existing adviser if they aren't already an affiliate member. Our goal is to make your property investment journey as smooth as possible.
No, and this is an important distinction. Under the Real Estate Agents Act (REAA), our legal obligation is to the vendor. However, while we are not a buyer's agent and do not charge a fee for our service to buyers, we are committed to acting with their best interests at heart. Equiti is an independent property investment coaching service that connects buyers with new build properties, often through their financial advisers. We guide you toward the right investment and can negotiate on your behalf, but we do not act as your buyer's agent.
An "off-the-plan" property is one you agree to buy before it's built, often just from the plans and designs. The majority of properties we coach clients toward are off-the-plan. This means they are either in the process of being built or the plans have been submitted to the council for approval. "Turnkey" and "land and build" are the two contract types for purchasing these off-the-plan properties, both offering fixed-price certainty for your investment.
Turnkey: This is a straightforward investment structure. You pay an initial deposit to secure the property, with the balance due only upon completion. This minimises your capital outlay during the construction phase, as you don't need to make progress payments. The property is ready for tenancy the moment you take possession, allowing you to generate rental income immediately.
Land and Build: This involves two separate contracts, one for the land purchase and another for the construction. This approach requires you to secure finance for the land first, and then make progress payments to the builder at key construction milestones. While this requires more capital throughout the build process, it offers a different structure to a turnkey agreement.
We coach you through a clear, considered strategy that uses the equity you already have to invest in quality new build property. Over time, a well-chosen portfolio can grow in value and generate rental income, helping you work toward around $1,000,000 in wealth over the next 15 years. Every property is backed by a proven framework, an expert team, and real client outcomes. Your actual result depends on your starting position, the properties you choose, and market conditions, which we'll walk through with you honestly.
Independent research shows most Kiwi couples who want a comfortable retirement face a shortfall of around $1,000,000. NZ Super and KiwiSaver simply aren't enough on their own. That difference between the retirement you want and the plan you have now is your retirement gap. Strategic new build property investing is one way to help close it, and our Retirement Gap Calculator can show you where you stand in just a few minutes.
It can be, and you don't need any experience to start. We explain the strategy in plain English, walk you through the numbers step by step, and help you invest with confidence. New build property is often a good entry point thanks to lower maintenance, favourable lending conditions, and tenant-ready packages. The best first step is a free Clarity Call, where we'll look at your situation and be straight with you about whether it's a good fit.
We help experienced investors find well-priced new builds with strong long-term potential, then handle the research, sourcing, and analysis so you can grow the smart way. Because our packages are fixed price, all-inclusive, and tenant-ready, adding to your portfolio is simpler and more predictable. You stay in full control of every decision while we do the heavy lifting behind the scenes.
A Clarity Call is a free, no-obligation 15-minute conversation about your goals and where you're starting from. We'll help you find the right next step and deliver your Retirement Gap Analysis within 24 hours of your first session. There's no cost and no pressure. If property investment isn't right for you, we'll tell you straight and point you to what is.
No. Equiti's coaching and guidance are free for financial advisers to access. You can refer clients at no cost.
We're paid by the property developers and builders when a sale goes through. This keeps our coaching free for both you and your clients.
Equiti is an independent property investment coaching service, separate from financial advice. You continue to provide advice within your own FAP framework, while we guide clients through the property investment process. This separation helps keep your role and ours clearly defined.
We treat client information with care and only use it to support the referral and purchase process. We don't share details beyond what's needed to progress a transaction.
The properties we coach clients toward are fixed price, so there's no advantage to going directly. We exist to give you and your client a simple, transparent process backed by our guidance and support.
Yes. All the properties we coach clients toward are offered at a fixed price and come as all-inclusive packages so your clients know exactly what they're paying.
Referring a client is simple. Once you've registered, you can submit a referral and we'll take it from there while keeping you in the loop.
We aim to respond promptly so your client never feels left waiting. Quick, reliable communication is part of how we work.
Yes, you must be a licensed financial adviser to refer clients to us. We partner exclusively with licensed professionals to ensure that all clients receive compliant, high-quality advice that aligns perfectly with their investment goals.
Referral arrangements are confirmed when you register with us, so you'll have clarity on what you receive and when. Get in touch and we'll walk you through the details.
That's completely fine. There's no obligation for your client to proceed with the property. You'll still be able to work with us when the timing is right for them.
Yes. We coach clients on properties across New Zealand, so you can refer clients interested in different regions through us.
Yes. Equiti works with a wide range of advisers, including those with a Level 5 qualification, an investment, insurance or KiwiSaver strand. If you're helping clients build wealth, we'd love to work with you. Get in touch and we'll explain how our property coaching can complement what you already do.
Your client stays firmly yours. You bring the trust and the relationship, and we bring the framework, the properties, and the follow-through. We work alongside you, not around you, keeping you in the loop at every step so you remain your client's trusted point of contact.
We guide your clients from their first conversation right through to settlement and beyond. That includes explaining the strategy, walking through the numbers, coordinating the property selection, and supporting them through the build and pre-settlement stages. It's a simple, transparent process designed to reflect well on you as the referring adviser.
Yes. Our Learning Hub includes free calculators and guides you're welcome to use with clients, including the Equity Calculator and the Retirement Gap Calculator. They're a handy, no-jargon way to help clients understand their position before you refer them.
Equiti has been operating since November 2023.. While we're relatively new, our team brings decades of collective experience in real estate and financial advising to help you succeed.
We continue to grow as we work with new developments across New Zealand. For current figures, contact us directly and we'll be happy to share.
We've supported financial advisers and their clients in building better futures through property. Get in touch for the most up-to-date numbers.
No, and our independence is one of the things that sets us apart. Equiti is an independent property investment coaching service. We're not owned by a bank, a developer, or a financial advice business, which means we can offer advisers and buyers unbiased guidance on new build properties.
The Real Estate Agents Act 2008 sets the rules and standards for real estate professionals in New Zealand. Being licensed under it means we operate to recognised industry standards, with accountability and consumer protections built in. In short, it's there to give you confidence and peace of mind.
We choose our partners carefully, focusing on quality and reliability. This helps ensure the properties we coach clients toward meet the standards our advisers and their clients expect.
We want to hear from you if something isn't right. Reach out to our team and we'll work to resolve it transparently and fairly. As a licensed operator under the REA Act 2008, there are also formal channels available if needed.
Equiti is New Zealand's property investment coaching service. Rather than simply selling you a property, we coach you toward the right decision, back it with a proven framework, and stay accountable long after the paperwork is signed. We're independent, fixed-price, and focused on helping Kiwi homeowners and advisers build long-term wealth through quality new build property.
We help everyday Kiwi homeowners at any stage, both first-time and experienced investors, as well as financial advisers who want to offer their clients a credible property investment path. Whether it's your first investment or your fifth, we tailor our guidance to where you're at.
We're built on being trustworthy, collaborative, and accountable. We do what we say we'll do, we work with you rather than around you, and we stand behind our properties well beyond settlement. Our aim is simple: to help you build a better financial future with clear, honest guidance.
