How to Get a Loan Above 70% for Investment Property in New Zealand

If you’re an investor looking to buy property in New Zealand, recent changes mean you may now be able to borrow above 70% LVR (loan-to-value ratio) – something that was much harder before. Thanks to the Reserve Bank of New Zealand (RBNZ) relaxing its rules, more investors can access higher lending for investment properties, sometimes up to 80%, if they meet specific exemption criteria.

Why RBNZ LVR Rules Are Changing

RBNZ has recently loosened its LVR restrictions, allowing banks to approve a higher share of investor loans above 70% LVR. This means that if your property and financial situation are strong, you may qualify for a loan above 70%, not just the traditional 70% cap. These changes are part of RBNZ’s broader approach to macroprudential policy, designed to support responsible lending while managing risk in the housing market.

How the Exemption Process Works

Banks in New Zealand offer exemptions for certain types of investment loans, especially for new builds or turnkey properties. These exemptions allow investors to borrow above 70% LVR – sometimes up to 80% – if their application meets the right criteria. The exemptions are typically applied to new construction, specific project types, or other high-quality investments that lenders view as lower risk.

How Our Broker Channel Helps

Our New Zealand broker team specialises in helping investors use these exemption pathways to secure loans above 70% LVR. We’ve already helped clients get loans above 70% through our channel, including some who secured up to 80% lending for turnkey investment properties, subject to lender approval.

What You Need?

• A strong investment property (such as a new build or turnkey project)
• Good credit history and stable income.
• Our broker team to guide you through the exemption process and match you with the right lender.

Get Started Today

If you want to grow your property portfolio in New Zealand with less deposit, get in touch with us today. We’ll help you navigate the exemption process and secure a loan above 70% LVR for your next investment property, subject to lender approval and standard criteria.

Your next investment property could be closer than you think. Let our experienced broker team guide you through the exemption process and match you with the right lender.

👉 Contact us today to get started with a tailored lending strategy.

📞: 09 886 4653

📧 Email: info@crestonproperty.co.nz