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, which can be a significant barrier for investors.
However, there are ways to buy with a smaller deposit:
- New builds often only require a 20% deposit.
- Use home equity from your own property.
- Approach non-bank lenders who are not bound by LVR rules.
Consulting a mortgage broker is highly recommended to explore all your options and secure the best lending solution.
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
Historic home saved from demolition and turned into $6m waterfront paradise
A rescued Remuera villa is now a $6m-plus Mahurangi Harbour retreat with rich history and waterfront living.
.jpg)
Spotlight on Canterbury, local property market insights
Trade Me data shows Canterbury defying the property cooldown, with high demand for big homes and great townhouse deals.
Search
Other articles you might like
