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 generally require a 30% deposit for investment properties due to Reserve Bank LVR restrictions. However, there are several ways to purchase with a smaller deposit.
New builds are a key exception, often only needing a 20% deposit. Homeowners can also leverage usable equity from their existing property to fund the purchase.
For expert guidance, a mortgage broker can help navigate options across different lenders, including non-bank lenders who are not subject to LVR rules.
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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