Residential property investment
Whether you’re new to property investment or a seasoned investor, get the support of our dedicated property specialists.
How we do it
A dedicated and personal team
Unlike other banks, we have a dedicated residential property investment team who solely work with property investors.
Our team is available 7:30am-7:00pm, Mon-Fri. We also have mobile bankers who are available for extended hours.
We cover New Zealand
Our property specialists cover the whole of New Zealand.
Expert advice for investors
Our specialists understand the unique demands of property investment. With your goals in mind, we can help you fine-tune your investment plan and choose the finance solution that’s best for you — and we’re happy to work seamlessly with your lawyer and accountant.
Education and research
Flexible and quick applications
Quick turn around time
Loans of up to $1 million can be approved by our property investment team within 48 hours^.
We recognise 80% rental income
When you're completing your lending application, we recognise 80% of your rental income.
Lending is also available on apartments, properties under construction, leasehold and lifestyle properties and terraced housing^.
Our products and deals
Loans that could save you money
With TotalMoney,^ a variable offsetting home loan, you might be able to use the money in your rent, maintenance and transaction accounts to save money on interest. Calculate what you could save with TotalMoney
Optional landlord insurance protection can be purchased with PremierCare Home Insurance.^ Our optional landlord’s protection for your rental 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 for non-payment of rent.
A credit card at a home loan rate
If you have a BNZ home loan, you may also qualify for a HomeAdvantage MasterCard^ for your personal use, giving you a credit card at a floating mortgage rate. (Minimum 25% equity required on home loan.)
Home loan rates, fees and benefits
View and compare all of our home loans and choose the one that's right for you.
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Auckland mobile bankers
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.