Buying an investment property
Interested in property investment? Here you’ll find useful information to help you research, buy and own investment properties.
The home buying process
Using existing equity to purchase an investment property
Equity is the difference between a property’s value and the amount you owe on it. If you sold your property and repaid your home loan, your equity would be the amount you have left.
For example if you have a house worth $400,000 with a $100,000 home loan, you have $300,000 of equity in the property.
You may be able to use the equity in your existing home to buy an investment property.
Things to consider before investing in property
Unlike buying a house to live in, there are a number of tax implications when it comes to investing in property that you should consider as this could impact your investment strategy, or the types of properties you choose to invest in.
See the Inland Revenue Department website and search for ‘property’ for information about tax implications when investing in property. We recommend you seek independent advice from your accountant, tax advisor, or other advisor to help you determine how tax implications can affect your investment.
Property investment webinars
Learn more about our free webinars to help you achieve your property investment goals.
Calculators
Work out your repayments
Find out how much your repayments might be depending on the loan amount, loan type and term.
Work out how much you could borrow
Get an idea of how much you could borrow based on some quick questions about your financial situation.
Home buying toolkit
How to apply
Apply online
Apply for an ANZ Home Loan.
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
From overseas: +64 4 470 3165
Talk to a Mobile Mortgage Manager
Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
A copy of the Bank's General Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.
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