New Zealand Resident Visa by Investment: New Zealand Golden Visa Guide for Investors and Entrepreneurs in 2025

New Zealand Resident Visa by Investment

For those seeking residency in a stable and welcoming country, New Zealand offers a path through investment visas designed for global investors. The New Zealand Golden Visa, officially known as the Active Investor Plus Visa, allows individuals to gain residency by investing from NZ$5 million, with flexible investment options and straightforward requirements.

Applicants must meet specific eligibility criteria, including a minimum investment amount and basic health and character standards, making it accessible for many experienced investors. The program stands out with options for investing in equities, managed funds, or direct business opportunities, as well as minimal physical presence requirements compared to other countries.

Key Takeaways

• New Zealand offers a residency by investment route starting from NZ$5 million.
• Investors can choose from various qualifying investment types with clear eligibility guidelines.
• The program leads to permanent residency and potential citizenship over time.

Overview of the New Zealand Golden Visa

New Zealand offers a residence by investment option, commonly called the Golden Visa. This program targets investors who are interested in making a significant economic contribution in exchange for residency rights.

What Is the New Zealand Resident Visa by Investment?

The New Zealand Resident Visa by Investment, known as the Active Investor Plus Visa, allows applicants to gain residency by making qualifying investments. Managed by Immigration New Zealand, this pathway attracts high-net-worth individuals seeking both residency and economic engagement.

The minimum investment requirement is NZ$5 million, which must be maintained for at least three years. Applicants are required to spend a minimum of 21 days in New Zealand within a three-year investment period. Approved investments can include businesses, listed equities, and commercial property, but must meet strict eligibility standards set by the government.

There are no specific age or English language requirements for this visa. The application process typically involves submitting documents, proving the source of funds, and passing character and health checks.

Benefits of the Golden Visa Pathway

The Golden Visa provides a range of advantages for investors and their families. Successful applicants receive the right to live, work, and study in New Zealand, offering access to high-quality healthcare, education, and an overall safe environment.

Permanent residency can be achieved after meeting continuous investment and presence requirements. The visa allows the main applicant to include their partner and dependent children under 24 years of age. There are no quotas or annual limits for the Golden Visa, making it accessible to all who meet the investment criteria.

The process is relatively straightforward compared to other countries’ investor visa schemes. Holders also benefit from the flexibility of not being required to reside full-time in New Zealand.

Key Differences from Other Residency Options

The New Zealand Golden Visa stands out due to its low residency requirement and flexibility in eligible investments. While skilled migrant and family visas have strong language and age requirements, the investor pathway is less restrictive in these areas.

Investor visa applicants are not subject to stringent employment or qualification checks. Permanent residency may be achieved faster than under most other pathways if the applicant fulfills their investment and presence obligations.

Unlike business or entrepreneur visas, the Golden Visa does not require applicants to operate a company or manage a business in New Zealand. This pathway is ideal for applicants who wish to invest passively while gaining residency status, making it distinct in New Zealand’s immigration portfolio.

Active Investor Plus Visa Program

New Zealand offers the Active Investor Plus Visa Program as its main investment-based pathway to resident status. This program targets experienced investors interested in directly contributing to New Zealand’s economic growth through substantial financial commitment.

Program Overview and Objectives

The Active Investor Plus Visa requires a minimum investment of NZD $5 million into eligible investments within New Zealand. This investment must be maintained for at least three years. The program allows successful applicants and their immediate family members to live, work, and study in New Zealand indefinitely, provided all conditions are met.

Key objectives include attracting high-value investment to foster business expansion, innovation, and job creation within New Zealand. The focus is on encouraging investments in growth sectors or approved businesses rather than passive asset holding. Applicants must also meet character, health, and source-of-funds requirements as outlined by Immigration New Zealand.

Active Investor Plus vs Other Investor Visas

The Active Investor Plus visa program replaced older New Zealand investor categories, consolidating residency-by-investment schemes into a single, updated option. Unlike previous visas that permitted more passive types of investment, such as government bonds, the Active Investor Plus Visa emphasizes direct investment in New Zealand companies or managed funds.

Key differences include a higher minimum investment threshold (NZD $5 million vs. the previous NZD $3 million) and stricter requirements on where and how funds must be invested. The program allows for more flexibility in investment types but provides less emphasis on lower-risk, passive holdings. Immigration New Zealand also requires applicants to spend a set number of days physically present in New Zealand during the investment period.

Eligibility Criteria for Investors

Individuals seeking New Zealand residency by investment must meet specific financial thresholds, invest in approved categories, and satisfy various personal requirements. Investors are assessed on the type and size of their investment, along with age, health, and sometimes English language ability.

Investment Requirement and Acceptable Investments

To qualify, applicants must commit a minimum investment, typically starting from NZ$5 million for the Growth category, with the Active Investor Plus pathway requiring investments between NZ$5 million and NZ$15 million. A reduced amount, such as NZ$2.5 million, may be accepted for certain categories if invested solely in growth assets.

Acceptable investment types include managed funds, direct investment in New Zealand businesses, or other financial products approved by New Zealand authorities. These investments must remain in New Zealand for at least three or four years, depending on the chosen visa. Real estate investments and philanthropic donations are generally not qualifying categories unless specified by policy.

A minimum stay is also required. For example, investor residence visa holders may need to spend between 21 and 88 days in New Zealand during the investment period.

Language Proficiency and Other Prerequisites

Unlike some other residency programs, New Zealand may not require English language proficiency for the main investor under the Growth Investment category. However, dependents may still need to meet certain language standards.

Applicants must be at least 18 years old and provide evidence of good health and character. Background and police checks are necessary. A stable income or sufficient funds to support themselves and dependents during their New Zealand residency is also typically required.

No maximum age cap applies to most investment visa categories, but the age of majority is necessary. All information and documentation must be submitted according to current New Zealand immigration regulations.

Types of Qualifying Investments

New Zealand offers several recognized investment pathways for its resident visa programs. Investors must meet minimum financial thresholds and allocate capital into approved investment types as specified under the visa category.

Direct Investments in New Zealand Businesses

Direct investment involves allocating funds into an active and lawful business operating in New Zealand. This route often requires the investor to participate in the management or development of the company, beyond merely providing capital.

For the Active Investor Plus Visa, direct investments are prioritized and sometimes carry higher value under points-based assessments. Typical examples include acquiring equity stakes in local companies or supporting business expansion.

Key points:

• Focus on job creation and economic contribution.
• Businesses must be compliant with New Zealand regulations.
• Investors may need to prove business acumen or relevant experience.

Private Equity and Managed Funds

Investment through private equity and managed funds is another widely accepted option. Investors can allocate funds into professionally managed portfolios that channel capital into a range of New Zealand assets.

These funds must be licensed or registered in New Zealand and meet the criteria established by immigration authorities. Managed funds may include shares, bonds, or units in collective investment schemes, while private equity usually targets unlisted businesses with growth potential.

Benefits:

• Professional management of assets.
• Diversification of investment.
• Lower requirement for direct involvement in daily business operations.

Philanthropy and Alternative Routes

Some pathways recognize significant philanthropic donations or non-traditional investments. Philanthropic contributions, while less common, can qualify if they align with government priorities or social benefit categories.

Alternative routes may include investing in projects related to innovation, regional development, or environmental conservation. The criteria for acceptance and recognition can differ and often require additional documentation to prove impact.

Summary of what’s allowed:

• Confirmed philanthropy with measurable outcomes.
• Sponsorship of research or community programs.
• Approval from designated government bodies is typically necessary.

Visa Application Process

Applying for New Zealand’s resident visa by investment involves a multi-step process governed by clear eligibility requirements. Applicants must prepare several documents and comply closely with instructions from immigration services.

Step-by-Step Guidance

Applicants start by choosing the appropriate investment stream, such as Investor 1, Investor 2, or the Active Investor Plus Visa. Each option has specific investment amounts and residency requirements. For example, Investor 1 typically calls for NZD $10 million over three years, while Investor 2 requires at least NZD $2.5 million in growth investments.

The next steps involve submitting an online Expression of Interest (EOI), waiting for approval, and then being invited to formally apply. At the application stage, detailed investment plans and proof of funds are required. Applicants must also pay the necessary government fees and provide evidence of intended investment.

Immigration New Zealand reviews all submissions for accuracy and completeness. If approved, the applicant completes their investment within the specified period and confirms residency days as stipulated by the visa category.

Required Documentation

The application package must be complete and accurate to avoid delays. Key documents typically include:

• Completed application forms
• A detailed investment plan
• Evidence of available funds (bank statements, asset valuations)
• Proof of source of funds
• Passport copies and identity documents
• Police clearance certificates
• Medical certificates
• Evidence of English language proficiency (if required for the selected stream)

All documents should be original or certified copies in English, or with certified translations. Immigration services may also request further evidence or clarification during the processing period. Documentation requirements can vary slightly depending on the chosen visa stream and the applicant’s country of origin.

Pathway to Permanent Residency and Citizenship

New Zealand does not have a direct citizenship-by-investment program. But gaining permanent residency and eventually citizenship in New Zealand is a multi-step process. Each stage involves specific requirements related to investment, residency, and ongoing compliance with local regulations.

Achieving New Zealand Permanent Residency

Permanent residency is granted to investors who first secure a residence visa, usually through the Active Investor Plus Visa or similar programs. These typically require a minimum investment—often NZ$5 million or more—maintained over a period such as 3 years.

Applicants must show proof that their investment meets all specified government criteria. There are no maximum age limits or mandatory English language requirements for most investment visas.

During the investment period, a minimum stay in New Zealand applies. For example, some visas require the applicant to spend at least 21 days in the country over 3 years. Renewing or upgrading to permanent residency will depend on compliance with these criteria and a clean record during the stay.

Transitioning to New Zealand Citizenship

After residing in New Zealand as a permanent resident for a qualifying period—typically 5 years—individuals may apply for citizenship. The main criteria include living in New Zealand for a significant portion of each year, maintaining lawful status, and demonstrating integration.

Applicants must show a commitment to New Zealand, including knowledge of the country and English language skills. Basic character requirements are also assessed, including criminal background checks.

Citizenship grants the right to a New Zealand passport and full participation in civic life. The process is handled by the Department of Internal Affairs and typically involves an application, interview, and pledge of allegiance.

Comparing Investor Visa Options

Different New Zealand investment visas have specific eligibility criteria, investment thresholds, and residency outcomes. Key differences exist in source of funds, investor roles, and the time required to secure residence status.

Active Investor Plus vs Investor 2 Visa

Active Investor Plus targets high-net-worth individuals ready to invest a minimum of NZD $5 million in approved New Zealand businesses. Applicants must place their investment in “growth investments” such as private companies. The process is streamlined, with application times generally faster compared to previous investor categories.

Investor 2 Visa requires a lower minimum investment, typically set at NZD $3 million, but has a strict quota and requires at least three years’ business experience. Funds can be invested in a greater range of assets, including bonds and equities.

Investor Visa vs Entrepreneur Work Visa

An Investor Visa grants residence to those investing significant capital in New Zealand, with paths that ultimately lead to permanent residency if conditions are met. Investors typically have less involvement in daily business management and focus instead on providing capital.

The Entrepreneur Work Visa is for those establishing or purchasing a business in New Zealand. The focus is on business development and active management, with a lower required capital investment (usually from NZD $100,000, but exceptions apply). Applicants must demonstrate a detailed business plan and prove the potential benefit to New Zealand.

Investor Visas suit those seeking passive investment and a pathway to residency by meeting financial thresholds. Entrepreneur Work Visas fit individuals looking for hands-on engagement and business growth opportunities. Both options have routes to permanent residence, but the paths and requirements differ significantly.

Economic Impact and Advantages for New Zealand

Investor visas are structured to attract foreign capital, support business growth, and stimulate innovative activity in New Zealand. The program’s design encourages direct contributions to the economy through targeted investments in local enterprises and projects.

How Investment Visas Drive Economic Growth

The Active Investor Plus Visa and similar programs channel substantial private funds into New Zealand’s economy. Investors must commit a minimum investment amount, often in the millions, which increases the nation’s capital base. This immediate boost in funds strengthens financial markets and elevates New Zealand’s attractiveness for further global investment.

Economic benefits materialize through:

• Increased demand for financial services
• New capital for sectors like technology, infrastructure, and sustainable industries
• Enhanced partnerships between foreign investors and local institutions

Because there is no capital gains tax for most investments, investors are further incentivized to reinvest profits or expand their business activities. This creates a cycle of sustained economic activity beyond the initial investment period.

Contribution to Local Businesses and Innovation

Investment visa holders are directed to contribute specifically to local businesses and start-ups. The visa criteria are designed to favor investments that deliver tangible benefits rather than passive holdings.

Funds are often allocated to New Zealand’s private equity, venture capital, or listed equities. This access to capital helps local companies expand, hire new employees, or develop new products. The program’s focus has recently shifted even more toward growth-oriented investments, aiming to foster innovation and international competitiveness.

These policies directly support the development of new technology and business models, encouraging entrepreneurs and providing a foundation for long-term business growth in New Zealand.

Frequently Asked Questions

New Zealand offers residency programs for investors and entrepreneurs, each with clear financial thresholds, stay requirements, and specific eligibility criteria. Several changes have been introduced to investment visas, affecting minimum investment amounts and required time spent in New Zealand.

What is the minimum investment required for obtaining residency through the New Zealand Golden Visa?

The minimum investment amount for residency by investment in New Zealand is NZ$5 million under the Growth Category. The Active Investor Plus Visa requires an investment that can range from NZ$5 million to NZ$10 million, depending on the investment type. Investments must be held for a minimum duration, typically three to five years.

What are the eligibility criteria for the New Zealand Active Investor Plus visa?

Applicants must be at least 18 years old and meet health and character requirements. There is no maximum age or English language requirement. The main requirement is making a qualifying investment of at least NZ$5 million, and applicants must spend a specific amount of time in New Zealand during the investment period.

Can you explain the process of acquiring residency by investment in New Zealand?

Applicants must select an appropriate visa category and ensure they meet all investment and personal eligibility criteria. They must submit an application, undergo health and character checks, and provide evidence of the qualifying investment. Successful approval leads to the granting of a resident visa, with ongoing requirements such as maintaining the investment and meeting minimum stay obligations.

What changes have been made to the New Zealand Golden Visa program recently?

Recent adjustments include raising the minimum investment threshold to as much as NZ$10 million for certain categories. The required number of days spent in New Zealand over the investment period has also increased, reaching up to 105 days over five years for some applicants. These changes are intended to encourage more active investment and greater residency commitment.

Are there any specific requirements for entrepreneurs seeking residency in New Zealand?

Entrepreneurs need to present a viable business plan and prove they have adequate capital to invest in or start a New Zealand business. Health, character, and sometimes English language requirements must be met. The business must be established and operate successfully for a minimum period, typically two years, before permanent residency is considered.

How does New Zealand’s investor visa compare with other golden visa countries in terms of benefits and conditions?

New Zealand’s investor visas generally have higher minimum investment thresholds and more stringent stay requirements than many European golden visa programs. However, these visas provide access to a stable country with strong infrastructure and a high standard of living. English language requirements are more relaxed than some competitor programs.