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Learn how to use equity as a deposit for your next property in NZ. Understand equity release, LVR limits, risks, and step-by-step process for leveraging your home.

Using Equity as a House Deposit in NZ: Complete Guide to When and How

Luminate

If you already own property in New Zealand, you're sitting on a potential deposit for your next purchase. Using...

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Find out exactly how much deposit you need for an investment property in NZ. Learn about LVR rules, using equity, and strategic approaches to building a property portfolio.

Investment Property Deposits in NZ: How Much Do You Actually Need in 2025?

Luminate

Investment property deposit requirements in New Zealand are significantly higher than for owner-occupied homes. Recent...

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Compare deposit requirements between banks and non-bank lenders in NZ. Understand the differences, pros and cons, and which option suits your situation.

Home Loan Deposit Rules: Bank vs Non-Bank Lenders in NZ

Luminate

When it comes to home loans in New Zealand, banks dominate the market—but they're not your only option. Non-bank...

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Learn exactly how to withdraw KiwiSaver for your first home deposit in NZ. Step-by-step guide covering eligibility, applications, and maximizing your withdrawal.

How to Use KiwiSaver for Your House Deposit in NZ | Complete 2025 Guide

Luminate

Your KiwiSaver balance can be one of your most valuable tools when saving for a first home. Understanding exactly how...

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Discover 7 practical strategies to save for a house deposit in NZ faster. From KiwiSaver optimization to cutting costs, get actionable tips that actually work.

How to Save for a House Deposit in NZ: 7 Proven Strategies | Deposits Explained

Luminate

Saving for a house deposit feels overwhelming when you're facing targets of $50,000, $100,000, or more. However, with...

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Compare minimum deposit requirements for first-home buyers and property investors in NZ. Understand LVR rules, lending restrictions, and how much you really need.

Minimum Deposit Requirements: First-Home Buyers vs Property Investors in NZ

Luminate

Not all property buyers face the same deposit requirements in New Zealand. The Reserve Bank's LVR restrictions create...

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Find out if you really need a 20% deposit to buy a house in NZ. Learn about lower deposit options, LVR rules, and how first-home buyers can get into the market sooner.

Do You Really Need 20% to Buy a House in NZ? | Deposit Requirements Explained

Luminate
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