While building a property portfolio is a great way to invest, finding 30% or more for an investment property deposit is challenging for many, especially if you have already leveraged the equity in your existing properties. At Platinum Mortgages, we specialise in finding solutions for clients who won’t get a rubber stamp approval from a bank. We partner with lenders who offer loans against a 10% deposit (90% LVR), allowing more people access to the property market sooner.
90% LVR loans give you room to grow
Most property investors have just one investment property. This is because they fully leverage the equity in their family home to fund a 30% deposit on a property and are left with nothing else to invest. By utilising a 90% LVR investment property loan, small property investors can grow their portfolio beyond a single property.
The nitty gritty on 10% investment property deposits
The terms and conditions vary by lender and can change. Currently, we work with lenders offering:
- Loans for both new builds and existing standard residential dwellings
- Loans up to $1,000,000
- 30-year term principal and interest (P&I) mortgages
- The deposit requires 5% genuine savings (this can include equity in other properties).
For more information, get in touch, and we can provide advice and options tailored to your circumstances.
A 10% investment property deposit is just part of the equation
The key to making a good property investment is to know all the numbers: rental yields, interest rates, maintenance and fixed costs, and historical and projected capital gains. A high LVR loan with a non-bank lender comes with higher interest rates, but this doesn’t make it a bad option. The higher interest rates just need to be added to the equation and considered when assessing your risk tolerance. At Platinum Mortgages, we help our clients grow their property portfolios by finding the best mortgage solutions. If you need personalised advice or a mortgage, contact us today
👩💼 About the Author
Angela Downie
Financial Adviser | Director, Platinum Mortgages NZ
Email: info@platinummortgages.co.nz
🎓 Qualifications & Professional Memberships
- ✅ NZ Certificate in Financial Services (Level 5)
- ✅ Residential Property Lending Certificate
- ✅ Accredited Mortgage Adviser – Kiwi Adviser Network (KAN)
- ✅ Finance and Mortgage Advisers Association of NZ (FAMNZ)
- ✅ Financial Adviser Mentoring Program
- ✅ Financial Services Complaints Limited
🏆 Industry Recognition
- ✅ Multiple New Zealand Mortgage Awards (NZMA) – Excellence Award Finalist
- ✅ New Zealand Adviser (NZA) Awards
- ✅ Kiwi Adviser Network (KAN) Recognition Finalist Awards
- ✅ 5-Star Google Review Average (50+ client reviews)
📌 Experience
Over 19 years of experience in the Finance Industry helping first-home buyers, investors, and clients with complex credit. Angela is known for simplifying even the toughest finance challenges and building long-term client relationships.
💬 Real-Life Insight
Angela recently helped a client buy an investment property through a Non-Bank with less than 20% deposit.