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
Typically, buying an investment property requires a 30% deposit due to Reserve Bank LVR restrictions. However, investors can potentially buy with less.
Options for a smaller deposit include:
- Purchasing a new build, which often only requires 20%.
- Leveraging usable equity from an existing home.
- Working with non-bank lenders who are not bound by LVR rules.
Seeking advice from a mortgage broker is recommended to explore all available financing options and structure your purchase effectively.
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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