Investor lending 101
LVR rules are different
Investment property lending generally needs a bigger deposit than owner-occupied, often 30%+ at the banks.
Equity can be your deposit
Many investors borrow against their own home instead of using cash.
Structure beats rate
How your lending is split, secured and structured across lenders can matter more long-term than 0.1% on the rate.
Advisers in our network work with New Zealand's leading home loan providers.
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Why structure matters
How lending is split, which properties secure it and what terms are used all affect flexibility later on.
Getting the structure sorted at the start makes it easier to release equity, sell one property without unpicking everything, and keep records clean for your accountant.
- Keeping securities separate where it makes sense
- Splitting lending across terms and rate types
- Understanding how servicing is assessed on rental income
- Planning the next purchase before this one settles
Compare rates
A snapshot of advertised home loan rates from New Zealand lenders. The sharpest rate in each column is highlighted.
Swipe the table sideways to see all terms.
| Lender | Floating | 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|---|---|---|
 | 5.34% | 4.79% | 4.99% | 5.45% | 5.69% | 5.89% | 5.99% |
| 6.00% | 4.75% | 4.95% | 5.39% | 5.49% | 5.59% | 5.69% |
| 6.04% | 4.79% | 4.99% | 5.49% | 5.59% | 6.39% | 6.49% |
| 6.04% | 4.79% | 4.99% | 5.45% | 5.45% | 5.49% | 5.59% |
 | 6.04% | 4.79% | 4.99% | 5.49% | 5.69% | 5.89% | 5.99% |
| 6.09% | 4.79% | 4.99% | 5.45% | 5.45% | 5.45% | 5.49% |
 | 6.09% | 4.79% | 4.99% | 5.44% | 5.44% | 5.49% | 5.49% |
 | 6.10% | — | 5.89% | — | — | — | — |
| 6.14% | 4.75% | 4.99% | 5.45% | 5.39% | 5.39% | 5.49% |
 | 6.24% | — | 6.15% | 5.95% | 5.90% | — | — |
 | 6.54% | — | — | — | — | — | — |
 | 6.60% | — | — | — | — | — | — |
The live mortgage rates supplied by interest.co.nz are designed to be updated on a weekly basis, however sometimes updates may not occur as intended. Therefore the displayed rates are for reference only and may not be accurate, and we recommend you always check with a mortgage adviser or lender directly to confirm the latest rates on offer. The rates highlighted above are the ‘leading’ bank rate of the day, these rates may not be available to everyone. The highlighted rates may be ‘specials’, have ‘LVR requirements’, are for ‘owner occupiers’, or other ‘fine print’ to meet the eligibility criteria. Please check with the relevant lender directly to get information specific to your own circumstances.
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