The New Zealand Property Investors Federation (NZPIF) today welcomed the Reserve Banks relaxation of the Loan-to-Value Restrictions on mortgages from December.

“The proposed changes are targeted and could make a difference to first home buyers with less of a deposit, and to small-scale ‘mum & dad’ property investors – which is to say most investors,” said Matt Ball, NZPIF PR & Advocacy Manager.

“It’s a pragmatic change that will help people into homes and increase rental supply, but because it is targeted it won’t cause a demand-led spike in property prices. The high supply of properties in many parts of the country and the debt-to-income rules that have been in place since last year will also stop prices getting out of control.”

“These changes, the recent cut in the OCR and the potential for further cuts to come are all positive moves which we hope will lift the mood and create confidence in the New Zealand economy, leading to further growth in 2026,” he added.

About NZPIF:

The New Zealand Property Investors Federation (NZPIF) is the professional body representing New Zealand’s 317,000 property investors. With a commitment to advocacy, support, and education, the NZPIF strives to elevate industry standards, foster ethical practices, and provide valuable resources to all property investors.

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