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Buying an investment property

Whether you’re a first time investor, or looking to increase your property portfolio, our team are here to help.

Explore our home loan rates

1 year fixed-rate special*

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18 months fixed-rate special*

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2 year fixed-rate special*

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*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts. 

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.

10 years’ interest-only repayments

ANZ now offers up to 10 years of interest-only repayments on property investment home loans. Depending on your long-term property investment goals, interest-only repayments could help free up cashflow, pay off the home you live in faster, and potentially unlock tax benefits.

See if interest-only repayments are right for you.

Interest-only repayments

How we can help secure your investment property

Unlock your existing equity

You may be able to use some of the equity in your existing properties as part of your deposit for an investment property.

Borrowing for an investment property

Calculate how much you could borrow

Use our borrowing calculator to get an idea of how much you could borrow based on some questions about your financial situation. Our guide on planning your finances can help you get started.

Borrowing calculator

Getting pre-approval

A pre-approved home loan allows you to search for an investment property with confidence, giving you an idea of your potential buying power and price range. Your pre-approval is valid for up to three months but if you’re house hunting for longer, contact your Mobile Mortgage Manager who can reassess your financial position.

Home loan pre-approval

Repayment options

To provide property investors with flexibility, ANZ may offer up to 10 years’ interest-only repayments for investment properties—.

Interest-only home loans for investment properties

Meet with a Mobile Mortgage Manager and unlock your equity

Request an appointment

Resources for property investors

ANZ Property Focus report

Monthly overview of property market, assessing trends, the outlook and possible strategies for borrowers.
Property focus

Borrowing for an investment property

This guide covers what you need for a deposit, how equity could help, and key things to consider before you buy.
Borrowing for an investment property

Interest-only repayments as a tool for property investors

This guide explains how interest-only repayments work, why some investors choose this option, and key things to consider.
Interest-only repayments as a tool for property investors

Tenancy law changes

Rules for landlords and tenants changed in 2025. We’ve outlined the key changes so you can see how they could impact you.
Tenancy law changes: information for landlords

Understanding investment property returns

This guide can help you decide whether to focus on rental income or capital gains and find a property that matches your goals.
Understanding investment property returns

Managing your rental property

Being a landlord can be rewarding, but it’s a serious time commitment. This guide compares some of the pros and cons of different management options.
Managing your rental property

Tax changes for investment properties

Rules around interest deductibility and the bright-line test have changed. We explain the changes so you know what they mean for your properties.
Know your tax: interest deductibility and the bright-line test

Protecting your rental property

A rental property can be a valuable investment, but as with any investment, there can be risks. So how can you help protect your investment? We break it down.
Protecting your rental: the benefits of landlord cover

ANZ Property Focus report

Monthly overview of property market, assessing trends, the outlook and possible strategies for borrowers.
Property focus

Borrowing for an investment property

This guide covers what you need for a deposit, how equity could help, and key things to consider before you buy.
Borrowing for an investment property

Meet with a Mobile Mortgage Manager

Whether you’re buying your first investment property, looking to expand your portfolio or wanting to manage your existing property loans, our Mobile Mortgage Managers are specially trained to help you achieve your property investment goals. 

Our team are happy to talk to you over the phone or in person, whatever suits you.

Contact a Mobile Mortgage Manager

Property investment webinars

Our free webinars can help you gain valuable insights and achieve your property investment goals.

Property Unlocked webinars

How to apply

Apply online

Apply for an ANZ Home Loan.

Apply now

Talk to a Mobile Mortgage Manager

Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.

Find a Mobile Mortgage Manager

Call us

Call and talk to one of our New Zealand-based home loan coaches.

Monday to Friday, 8am - 7pm

Saturday and Sunday, 9am - 5pm

0800 269 4663

From overseas: +64 4 470 3165

Related products and services

ANZ Good Energy Home Loan

Want a warmer, healthier, more energy efficient home with less impact on the planet? Our ANZ Good Energy Home Loan top up could help.

ANZ Good Energy Home Loan

Free Property Insights report

Once you have your home loan pre-approved, our free Property Insights report (worth $49.95) can help you get an estimated price range and market rental rate for that property, including recent comparable property sales in the area.

Property Insights report

Landlord’s extension insurance

At ANZ, we make insurance easy. Landlord’s extension to home insurance can help protect your investment property through our trusted insurance partner, Vero.

Home insurance Landlord’s extension

Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure