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
Banks typically require a 30% deposit for an investment property due to Reserve Bank LVR restrictions.
However, several options exist for buyers with a smaller deposit. These include purchasing a new build, which often only requires a 20% deposit, or using the usable equity from your existing home. Approaching non-bank lenders, who are not subject to LVR rules, is another alternative, though potentially at higher interest rates.
Seeking advice from a mortgage broker is recommended to navigate these options.
Investment property deposit requirements New Zealand
How to buy an investment property with a small deposit
Buy a new build
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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
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