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 NZ typically requires a 30% deposit due to Reserve Bank LVR restrictions. However, investors may be able to purchase with less.
Options for a lower deposit include:
- Buying a new build, which often only requires a 20% deposit.
- Using home equity from an existing property.
- Approaching non-bank lenders who are not bound by LVR rules.
Consulting a mortgage broker can help you explore all available options and structure your finances 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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