Investment Property Loans in New Zealand
Get investment properties in NZ financed easily with expert loans & mortgages, personalised lending advice & quick approvals. Begin growing your portfolio now.
Grow your wealth with smart, strategic investment property loans designed to help you build a successful rental or long-term property portfolio. Our mortgage advisors provide expert guidance, lender comparisons, and tailored loan structures for investors across NZ.
Build Your Property Investment Portfolio With Confidence
Property investment remains one of New Zealand’s strongest wealth-building strategies. Whether you’re purchasing your first rental property or expanding your portfolio, our advisors guide you through:
✓ Lending rules for investors
✓ Interest-only vs principal loans
✓ Rental income calculations
✓ Equity release opportunities
✓ Multi-property loan strategies
We ensure your mortgage structure supports your long-term investment goals.
Investment Property Loan Options We Provide
Standard Investment Loans
Designed for property investors looking for competitive rates and flexible lending options to expand their portfolio.
Interest-Only Investment Loans
Improve short-term cash flow by reducing monthly repayments while building equity through market appreciation.
Equity-Based Investment Loans
Use the equity in your existing home or rental property to purchase your next investment without needing a large cash deposit.
Investment Loans for New Builds
Finance newly built homes or off-plan purchases that comply with new LVR rules and potential tax advantages.
Understanding LVR Rules for Investment Properties in NZ
Loan-to-Value Ratio (LVR) rules for investors often require higher deposits than owner-occupied homes.
Key LVR insights for investors:
- Many lenders require a higher deposit for existing investment properties
- New builds often have more favourable LVR rules
- Strong rental income may support borrowing power
- Equity release can reduce the cash deposit needed
We help you choose lenders offering the best investment-focused criteria.
What Lenders Look At (Eligibility Criteria)
Rental Income Potential
Projected rental income can be included in affordability assessments.
Equity & Deposit Contribution
Leverage existing property equity or cash savings.
Credit Profile & Debts
A clean credit record strengthens your application.
Income Stability
Pay slips, business income, or self-employed documentation may be required.
We package your application to maximise approval chances.
How We Support Property Investors (Step-by-Step)
Investment Strategy Review
Understand your goals, portfolio plans, and financial position.
Compare Lenders & Loan Structures
We assess interest-only options, fixed/floating, and investment-specific loan products.
Submit Application & Secure Approval
Fast, accurate, and lender-ready applications to speed up approval times.
Settlement & Long-Term Planning
We help you structure repayments to suit your investment cash flow.
Benefits of Working With Us for Investment Lending
- Access to top NZ lenders specialising in investment loans
- Tailored strategies for portfolio growth
- Support for equity release options
- Guidance on interest-only vs principal & interest
- Faster approvals through expert documentation
- Clear understanding of LVR rules for investors
- Long-term mortgage structuring support
Our Other Loan & Mortgage Services
First Home Buyer Loans
Support for first-time buyers navigating deposits, approvals, and competitive home loan options.
Commercial Investment Property Loans
Specialised lending for offices, retail, industrial, and mixed-use investment properties.
Investment Property Loans
Flexible mortgage solutions designed for both residential and commercial property investors.
Refix Mortgage Services
Expert guidance to secure competitive rates when your fixed term ends.
Mortgage Refinance Services
Restructure or switch lenders to reduce interest costs or consolidate debt.
Mortgage Restructure
Optimise your current mortgage setup to better suit changing financial circumstances.
Home Renovation Loans
Funding solutions for upgrades, extensions, and home improvements using smart lending strategies.
Equity Release Services
Unlock the value in your property to invest, renovate, or consolidate debt.
Residential Investment Property Loans
Tailored finance solutions for building and growing residential property investment portfolios.
Investment Property FAQs
Most lenders require higher deposits, but equity can be used to reduce cash requirements.
Yes, equity release is one of the most common ways to fund investment purchases.
Interest-only loans help investors improve cash flow while property values grow over time.
Yes, lenders include a portion of projected or existing rental income.
New builds often have more flexible LVR rules and allow lower deposits than existing homes.
Start Building Your Property Portfolio Today
Whether you're buying your first rental or expanding your investment strategy, our advisors help you secure the right loan with the right structure.
