Skip to main contentSkip to log on

Buying an investment property

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

Meet with us when and where it’s convenient for you

Find a Mobile Mortgage Manager

Explore our home loan rates

1 year fixed-rate special*

Rate is unavailable

%P.A

18 months fixed-rate special*

Rate is unavailable

%P.A

2 year fixed-rate special*

Rate is unavailable

%P.A

*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. 

 

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.

Find a Mobile Mortgage Manager

How we can help secure your investment property

Work out 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

Unlock your existing equity

As a homeowner, you build up equity in your home over time when you pay down your home loan, and if the value of your property grows. Equity is the difference between the value of your property and how much you owe on it. You may be able to use the equity in your existing properties to purchase an investment property.

Deposit options

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

Flexible borrowing options

A home loan is usually a long-term arrangement – and things can change over that time. We can help design your home loan to suit your circumstances. For example, moving to interest only payments in the short-term may suit some situations—. Talk to our team about whether this is right for you.

Things to consider before investing in property

Tax changes for investment properties

Rules around interest deductibility and the bright-line test are changing, so what does this mean for your investment property? We explain the changes so you can be prepared.

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

Our free monthly Property Focus report assesses the state of the property market in New Zealand, providing investors and prospective homeowners with an independent appraisal of recent developments. You can email us at nzeconomics@anz.com and request to be added to our distribution list.

ANZ Good Energy Home Loan

An ANZ Good Energy Home Loan could help make sure your properties meet Healthy Homes standards. You could top up your ANZ Home Loan to get a heat pump, insulation, glazing, ventilation, water heating systems and much more at —% p.a. fixed for three years, up to $80,000—.

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

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

Compare home loans

It's important to put together a home loan solution to suit you. Compare our home loan features and interest rates.

Compare our home loans

Property investment webinars

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

Property Unlocked webinars

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