Investing in residential property

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

Changes to our home loan rates

We now have two different interest rate types. Either a Residential Owner Occupied rate^ or a Residential Investor rate^ will apply depending on how your lending is secured.

If you entered into a home loan before 23 October 2018 and haven’t been advised that your loan is moving to one of the above interest rate types, see applicable rates here.

Start with a competitive interest rate

Our Residential Investor rates are displayed below. See all our home loan rates.

- % p.a.
All our Classic fixed rates
- % p.a.
All our Classic fixed rates
- % p.a.
All our floating rates

See our Residential Owner Occupied rates

If you’re directly securing your home loan with an owner occupied property, then the Residential Owner Occupied rates will apply to you. 

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^. Restrictions apply if you’re a non-resident buying property in New Zealand^.

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.

Home loans custom built for investors

We can design a home loan to help you get the most out of your investment.

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