ANZ New Zealand

The ANZ website contains the following categories:

Home Loans

Residential investment

We’re serious about property investment. If you are too, we’ll get you together with a like-minded person at ANZ who not only understands property investment but is also likely to be a landlord as well. They’ll advise you on best practice models and help you to gain knowledge of the residential investment market.

To find out more, ask one of our Residential Investment lending specialists or visit the New Zealand Property Investors’ Federation (NZPIF), the umbrella body for 20 local property investors’ associations from Whangarei to Gore. We’ve been the NZPIF’s principal sponsor for more than four years

See the results for the latest annual ANZ Property Investment survey, conducted by ANZ in association with the New Zealand Property Investors Federation for some interesting information.

Getting into a residential investment property

You have two main options for buying residential investment property:

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Understanding property investment

For detailed information on property investing:

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Useful online resources

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Get pre-approved finance

Buying an investment property is much easier when you have your loan pre-approved. It shows real estate agents and vendors that you’re serious about buying, it can speed up the loan documentation process, and it enables you to bid at auctions.

With an ANZ pre-approved home loan certificate, you’ll have our conditional approval to borrow up to a certain amount. The certificate will be valid for 120 days from the date of issue and have some specific terms and conditions.

To find out more about or apply for an ANZ pre-approved home loan certificate:

  • send an email to one of our residential investment lending specialists
  • phone an ANZ Mobile Mortgage Manager. Our team of Mobile Mortgage Managers is on call seven days a week – and they’ll come to you at a time and place that suit you
  • visit any ANZ branch.

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Understanding ownership structures

The ownership structure you choose for your residential property investment will depend on your own circumstances and goals. Things to consider include:
  • flexibility over time
  • simplicity – a complex ownership structure isn’t always necessary
  • the ability to introduce other participants
  • the growth of your property investment portfolio
  • taxation
  • the ability to exit.
There are a number of advantages to setting up your property investment as a company or trust:
  • It enables you to separate your business activities from your personal interests – so your personal assets can be protected if anything happens to your business.
  • You may benefit from tax advantages. The current company tax rate is lower than the top individual tax rate.
  • It makes it easier to treat your residential investment property like a business.
There are a number of company structures to choose from, including a Loss Attributing Qualifying Company (LAQC) which, unlike some other structures, allows you to offset any losses against your personal income tax.

Structuring your property and other investments is an important part of an overall financial plan. Your accountant and lawyer will help you to decide on the best structure.

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What loan or combination of loans will suit you?

We offer a wide selection of home loans, packed with flexible features that help to make managing your loan easy. Take a look at the loans available.

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ANZ lending criteria, terms and conditions and fees apply to all loans.

You can ask for more information, including full terms and conditions for all of ANZ's lending products and a current Disclosure Statement, published by ANZ National Bank Limited, at any ANZ branch.

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