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 New Zealand typically requires a 30% deposit due to Reserve Bank LVR restrictions. This can be a significant barrier for many aspiring investors.
However, there are several strategies to purchase with a smaller deposit:
- Buy a new build, which often only requires a 20% deposit.
- Use home equity from an existing property to fund the deposit.
- Approach non-bank lenders, who are not bound by the same LVR rules.
Consulting a mortgage broker is highly recommended.
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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