Changes affect property investors: NZ Mortgages

The New Zealand property market is witnessing significant changes that will directly impact property investors.

First, the bright-line test period will be reduced from 10 years to two years on 2 July.

For investors, this is a game-changer, allowing greater flexibility and potentially higher returns on investment properties. This is expected to increase the number of rental properties on the market as investors capitalise on the shorter holding period.

Nathan Miglani, Director NZ Mortgages

Additionally, the Reserve Bank of New Zealand has eased LVR restrictions, lowering the minimum deposit requirement for investment properties from 35% to 30%. Additionally, new build investments now only require a 20% deposit.

Finally, new DTI rules limit lending for investors with DTIs over 7 to 20% of a bank’s lending. This aims to promote responsible lending while still allowing investors to access necessary funds.

These changes provide significant opportunities for property investors, making it an opportune time to get in touch with our team at or call us at 0800 100 300 to make the most of the market’s changes.

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