Investing in residential property

Whether you’re buying your first investment property, or your third, our team is here to give you the help you need.

Start with one of our competitive interest rates

See all our home loan rates^

- % p.a.
MINIMUM EQUITY AND product eligibility criteria applies^
All our Classic fixed rates
- % p.a.
All our Standard/Fly Buys rates
- % p.a.
All our floating rates

How we can help you make a smart investment

Expert advice

We can help you fine-tune your investment plan and choose the financial solution that’s best for you — and we’re happy to work seamlessly with your lawyer and accountant.

Quick turnaround

Loans of up to $1 million can be approved by our property investment team within 48 hours^. Plus, we recognise 80% of your rental income when completing your lending application.

Range of lending

Lending is also available on apartments, properties under construction, leasehold and lifestyle properties and terraced housing^.

Solutions to make the most of your investment

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Offset home loan

Our TotalMoney offset home loan has a floating interest rate, and you can use the balances of your TotalMoney everyday accounts to reduce the amount of interest you pay^


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Landlord insurance

Landlord insurance protection includes cover for contents, intentional damage tenants may cause, and loss of rent if the tenants leave without notice or tenants need to be evicted^.


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Manage your home loan repayments online

You can now make changes to your home loan payments on most home loan types in Internet Banking – or find out how a small increase to your payments could make a big saving to the length of your loan, and the amount of interest you pay^.

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Small Print

All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.  

  1. Rates subject to change without notice.

  2. Classic fixed rates are only available when you have at least 20% equity in the property provided as security. This rate is not available for some investor lending. For residential property investors, more equity may also be required where Reserve Bank minimum equity restrictions apply. A BNZ transactional account with your salary or wages credited and one other product is required. A ratelock break fee and early repayment charges may apply. Some packaged offers may not apply to this rate.

  3. Fly Buys terms and conditions apply. BNZ (and its related companies) do not guarantee the redemption of Fly Buys or that Fly Buys will continue to be offered for products or services provided by them. The BNZ Fly Buys home loan is also known as the BNZ Standard Home Loan. Fly Buys collection rates can change without notice.

  4. TotalMoney Terms and Conditions apply.

  5. Account opening and lending criteria apply. 48 hours applies to business days only and provided all required information is supplied.

  6. Normal lending criteria applies. Restrictions may apply to some security types and will be subject to the Bank's valuation criteria.

  7. Cover under PremierCare Home Insurance is subject to the terms, conditions and exclusions contained in the Policy Document and Schedule. PremierCare Home Insurance is underwritten by the insurer, IAG New Zealand Limited (IAG NZ). BNZ does not guarantee the obligations of IAG NZ. BNZ arranges PremierCare Home Insurance as an agent for IAG NZ and receives a commission on any policies arranged through it. 

  8. Early repayment charges may apply.

Read our full home loans terms and conditions