Wakatipu Auckland at Night Skiing Wakaclinton Road South Mary Coronet Peak Auckland Suburban houses Rugby World Cup NZ Mountain Lake Sunrise Moeraki Boulders South Island Mary and Pukeko Te Anau South Island Kiwi Road Sign South Island Autumn Mary at Paradise Point Glenorchy Queenstown where The Hobbits were filmed Hanging Dollar

NZ Winter means beautiful picturesque snow in the skifields (Queenstown being one of the best skifields in the world), "evergreen" New Zealand with the clean sheep, farmland, forests, warm thermal pools in Rotorua and picturesque residential landscape colour. 

We have won the 35th America's Cup winning against America for the 3rd time - how amazing for a little nation of us Kiwis!!  Congratulations to Team New Zealand 

New Zealand is a great place to live not only for lifestyle but for jobs, education and purchasing a property.  A huge  factor for purchasing property has been low interest rates, although they are increasing slightly recently becuase of the cost for the banks of money offshore which can reflect on fixed rates particularly. Because of NZ great competitive interest rates (particularly fixed.rate), there is competition among the banks. If you require a mortgage preapproval (valid 3 months) and seriously looking at properties in New Zealand then contact Mary.

Policy changes from the New Zealand banks are that there will be no future lending to residents and nonresidents earning foreign income who are not New Zealand or Australian citizens or do not have New Zealand Permanent Residency.

Financially since new Reserve Bank of NZ restrictions on Loan to Valuation Ratios to all New Zealand banks in October 2016, there has been a falll in values in most of New Zealand. The restricitons are maximum lending for investment property being  60% and owner occupied is 80% nationwide. The exemptions are new land and construction, refinancing dollar for dollar from another lender, construction LVR is 70% for nonresidents and 80% residents. The Reserve Bank took this action, as the property market throughout the whole of New Zealand was extremely active as well as the new "Responsible Lending" law. There are tighter lending restrictions, higher deposits for all borrowers, interest rates still low but increasing lately in NZ and around the world, lack of Auckland housing supply and annual high migration. As per QV report in July 2017, values and sales have fallen plus there is an upcoming Election in September. See Corelogic/QV Report in  my "Property" section.

GDP for Q1 (March 2016) was 2.8%. NZ exports remain high.

Unemployment Rate for Q1 2017 was 4.9% which is down from 5.2% in Q1 2016.

All nonresidents now, must have a NZ tax file number and provide overseas tax file number before they can have a settlement of any New Zealand Property.

All Investors for NZ investment property must be aware of the law "Bright Line Test" whereby all investors who purchased residential NZ property after 1 October 2015 with the intention of selling and making gain within first 2 years will require income tax to be paid on any gains and will be taxed at the seller's normal income tax rate (refer to your NZ Accountant).

Property Market - New Zealand average median house increased 8.1% in the past 12 months to 30 June 2017 to $639,051, Auckland Area increased 7.2% to $1,045,059, Hamilton increased 9.5% to $539,357, Tauranga increased 14.6% to $687,364, Wellington increased 18% to $609,552, Christchurch increased 1.1% to $495,855 Queenstown District increased 19.2% $1,071,995, Dunedin increased 14.6 to $375,371.  Statistics from Corelogic QV New Zealand July 2017.

When you look at such a diversified value in New Zealand and look at rental return on the Government website (outlined on this website "Useful Links"), you will see the capital growth and rental returns that suit you pertaining to the New Zealand location you wish to purchase.

Remember there is no Stamp Duty and No Land Tax in New Zealand. You normally require 40% deposit investment, 30% construction and 20% owner occupied plus approximately NZ$1,500 legals to NZ solicitor to acquire a New Zealand property if you have a NZ or Austraian passport/citizenship or New Zealand permanent residency.

Refer to my "Case Studies"on my website for Australian residents and Ex Pat Kiwis living in Australia invesing or moving to NZ. Contact Mary from New Zealand Mortgage Solutions Pty Ltd for a preapproval from a choice of leading New Zealand banks/lenders.

Contact Mary of New Zealand Mortgages for assistance in finance.


New Zealand Finance For British Investors & People Emigrating to New Zealand

New Zealand Mortgages

Mary O’Brien sets out to help British people achieve a life’s ambition of owning property or investing in a great property asset ‘Downunder’.

Mary O’Brien is uniquely positioned to help the British obtain finance. Accredited with 13 New Zealand and 35 Australian banks/lenders, Mary specialises in assisting the British with New Zealand and Australian finance. A move to another country is never easy, especially when selling and buying a home. Before leaving UK, or if you live in UK (as an investor), Mary can obtain a bank letterhead pre-approval for a NZ or Australian property. It gives you, the buyer, the confidence and comfort in knowing just how much you can borrow and is usually valid for 90 days.

Mary herself, moved from New Zealand to Australia 10 years ago. Being a frequent visitor to UK and married to a Brit, Mary understands the ups-and-downs, the twists-and-twirls of establishing ones-self in a new country. Mary has that special understanding of what it is like to be British living abroad. She is delighted to be in a position in being able to assist British people in their antipodean adventure downunder.

To read the latest financial, real estate and lifestyle news in New Zealand, checkout our newsletter.

New Zealand Newsletter

Everything you need to know if you thinking of buying real estate in New Zealand. Updated each month.

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Home Loan Calculators And Currency Converters

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Find out more about New Zealand

Map of New Zealand


I Want A New Zealand Mortgages?
Where Do I Start?

We have compiled a handy checklist of you so you can begin to understand the process involved in getting a New Zealand mortgage.

We the recommend you read the section about NZ home loans and then take a look at our case studies to get an idea of the wide range of people we have helped.

New Zealand Mortgage Can Help You:

  • Before you go to New Zealand.
  • During the procedures when you visit New Zealand.
  • Obtaining valuation from Registered Valuers in New Zealand to enable unconditional approval.
  • Ensure solicitor, bank, valuer and New Zealand Mortgages Solutions all help clients towards settlement.
  • Visit our useful links page for important websites you will find useful.

Media Releases by Mary O'Brien of New Zealand Mortgage Solutions

Contact Us

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You can contact us on 0800 0517177 or +61 2 9620 5559. You can email me directly at mary@nzms.co.uk. If you prefer you can use our contact us form. Please give as much detail as possible and we will get back to you as soon as possible.

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