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The ideal deposit for any purchase is 20 but typically the minimum required is 10 for an existing property and 5 for a turn key build.
Income required for mortgage nz. Some lenders will finance mortgages of five times gross joint income for couples provided both of you are in employment. A general rule of thumb is that provided you have no other significant debts lenders will finance mortgages of around four and a half times your gross household income. What is the minimum deposit that i need to buy a house in new zealand. In dollar terms the amount you will need depends on where you are in new zealand and what kind of property you are looking for.
If you know your income and what your existing fixed payments are you can work backwards to find the level of mortgage repayment a lender will allow. For first home mortgages banks require at least a 15 deposit but it s more likely to be 20 given the restrictions on lending imposed by the reserve bank of new zealand.
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