Buying guide
How much deposit do I need to buy an investment property?
Before you buy you’re going to need to save a large portion of the purchase price. Find out how much you need.
AI summary
Buying an investment property in New Zealand typically requires a 30% deposit due to Reserve Bank LVR restrictions.
However, several strategies can help you buy with less:
- Purchase a new build, which often only requires a 20% deposit.
- Use usable equity from your existing home to fund the deposit.
- Approach non-bank lenders who are not bound by LVR rules.
Consulting a mortgage broker is recommended to explore all lending options and structure your finance effectively.
Investment property deposit requirements New Zealand
How to buy an investment property with a small deposit
Buy a new build
-fotor-2023122017758.jpg)
If you already own your home you could use equity to purchase an investment.
Use home equity
Speak to a mortgage broker
Talk to a non-bank lender
There are several different ways to secure finance for an investment property.
Get help from an expert
Author
Discover More
Property values drift down -0.4% as the market enters a holding pattern
Will house prices crash or surge? Neither likely.
6 first home buyer mistakes that could cost you thousands (and how to avoid them)
What are some common mistakes made by first home buyers? Find out how to avoid them and get ready to buy your first home
Search
Other articles you might like
