Investment Property Loan Quotes NZ

Compare free, no-obligation investment property loan quotes from a panel of New Zealand lenders in a single enquiry.

How our investment property quotes work

Tell us about the rental property you are buying or refinancing and your overall income picture. We pass the enquiry to qualified New Zealand mortgage advisers who source quotes across banks and non-bank lenders. You receive a comparison of rates, deposit requirements, rental income treatment and any cash-back offers available on investment lending.

The quotes are free and there is no obligation to take out a loan after you see the numbers.

What you need to provide

  • Property type, location and estimated value
  • Expected rental income (or current rent if already tenanted)
  • Deposit available and any other security you can offer
  • Personal income, existing mortgages and other commitments
  • Contact details so an adviser can confirm the quote with you

Why use MoneyGuru

Investment lending policy varies a lot between New Zealand lenders, particularly on deposit requirements, how rental income is counted and treatment of interest deductibility. MoneyGuru connects you with advisers who can match the right lender to your portfolio strategy rather than the first one you happen to bank with.

There is no consumer fee and you decide whether to proceed.

Common questions

How much deposit do I need for an investment property?

Most New Zealand banks require at least a 30% deposit for an investment property, though policies vary and exemptions apply for newer builds. An adviser can confirm what is achievable with your equity and income.

Can rental income be used to service the loan?

Yes, but lenders apply a shading factor to rental income to allow for vacancies and expenses. The factor differs by lender, which is one reason it pays to compare.

Should I use a separate lender from my home loan?

Splitting lenders can simplify accounting and protect your home from cross-collateralisation, but a single lender can sometimes offer better total pricing. An adviser will lay out the trade-offs.