Investment Property Loan Requirements (NZ)

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Minimum 30% Deposit (can change with banks discretion)

Most lenders require a 30% deposit for standard investment properties. However, if you already own a home, you may be able to use the equity in that property instead of cash.

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Rental Income Evidence

You’ll need to provide either:

• A signed tenancy agreement (if already tenanted), or
• A rental appraisal from a property manager or real estate agent (for new or vacant properties)

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Clear Credit check

As any home loan application it requires you to have clear credit check.

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Benefits of an Investment Property Loan

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Tax Deductibility

Interest on the mortgage may be tax-deductible (subject to current tax legislation and phase-outs for existing properties—speak to your accountant for tailored advice).

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Use of Existing Equity

You don’t always need to save up a full deposit—if you have enough equity in your home or other property, we can help you leverage that equity to secure funding.

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Portfolio Growth

Property investment is a powerful long-term wealth-building strategy, allowing you to generate passive income and grow your asset base.

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New Build Investment Properties – Lower Deposit Options

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New build investment properties are exempt from standard LVR (Loan-to-Value Ratio) restrictions. This means:

· You may only need a 10% deposit

· You can access favourable lending terms

· You're investing in a low-maintenance, high-efficiency property This makes new builds an attractive option for both new and seasoned investors.

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How Lemon Tree Finance helps?

At Lemon Tree Finance, we take the time to understand your “why” behind the investment—whether it’s long-term wealth, passive income, or future retirement planning.

We then:

· Analyse short-term cash flow and long-term growth potential

· Explore options to use equity, minimise deposit, and optimise structure

· Present you with a tailored lending strategy

· Ensure the loan is sustainable, not just approved

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We don’t just get your loan across the line—we help you make smarter decisions that align with your goals.