EP: 2095•6 Jun 2025

From 5% to 40% – The history and future of house deposits⎥Ep. 2095

About this episode

In this episode, Ed and Andrew take you on a deep dive through the history of loan-to-value ratio (LVR) restrictions in New Zealand.

You’ll hear how investors once needed just a 5% deposit … and how that skyrocketed to 40% during boom times.

But what triggered those changes? How did investors respond? And what does the future look like now that Debt-to-Income (DTI) rules are coming into play?

Plus, you’ll learn how deposit rules can directly impact the ROI you see in tools like Opes+.💡 Want to learn more about how the mortgage system works? Check our our guide to the LVR restrictions in NZ.

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

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About this episode

Landlords - LISTEN To This Before 1st July⎥Ep. 2097

I built a secure retirement plan in my 60s – here's how⎥Ep. 2096

The biggest house price crashes in history⎥Ep. 2094

What it'd take for us to take a long-term interest rate ⎥ Ep. 2093