Recently lenders in the US have become quite lenient (OK, downright lax) in their mortgage terms. I'm wondering if it is similar in NZ.

Specifically, are there 100% or 80/20 mortgages available? Or mortgages that only require 3-5% down? I see that L.J. Hooker offers Low-Doc loans, which is helpful.

Just tired of giving away my $$$$ to landlords, and not seeing much in the way of dog-friendly rentals.

Thanks,

Laura