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.


Home buying toolkit

How to apply

From overseas: +64 4 470 3165

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