South Island Autumn Hot Cross Buns Auckland at Night Queenstown Autumn Color Auckland Suburban houses Kiwi Road Sign Anzac Wakatipu Wakaclinton Road South Wakaclinton Road South NZ Mountain Lake Hanging Dollar Pink Moneybox

New Zealand Autumn means lovely moderate temperatures where people are still going on holiday, getting away for long weekends. At the same time the colours are changing outdoors and thee are really picturesque landscapes, particularly in the South Isand (Queenstown, Wanaka are absolutely beautiful this time of the year).

New Zealand is a great place to live not only for lifestyle but for jobs, education and purchasing a property.

Financially from the Reserve Bank of NZ restrictions on Loan to Valuation Ratios to all New Zealand banks with maximum lending for investment property being 65% and owner occupied 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. Since the Reserve Bank increased the LVR from 60% to 65% in January housing market has shown signs of life lately, bouncing off low levels. There are First Home Buyer benefits and they have shown interest in 2018. ANZ predict price growth remaining modest. With the new "Responsible Lending" law with tighter lending restrictions, higher deposits for borrowers, interest rates still low around the world, lack of supply and all time record net migration. As per QV report in March 2018, values are continuing to "cool down" in Auckland and Christchurch, and other New Zealand areas are "catching up" in values.

Unemployment Rate for Q1 March 2018 was 4.5% down from 4.9% Q1 2017.

A New Law will shortly be passed by the Government whereby nonresidents cannot purchase "existing" NZ property with the exception of Australians, New Zealanders and people who have Permanent Residency of New Zealand. The New Zealand banks have already have this poilicy in place - 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.

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

Property Market - New Zealand average median house increased 7.30% in March 2018 to $677,618 (March 2017 $631,432), Auckland Region increased only 1% in March 2018 to $1,055,992,(March 2017 $1,045,362), Tauranga increased 4.50% to $706,922 (March 2017 $676,381), Wellington increased 7.2% to $768,108 in March 2018 (March 2017 $716,613), Nelson increased 8.40% to $566,052 (March 2017 $522,201). Christchruch decreased 0.60% to $494,117 (March 2017 $497,120), Queenstown Lakes District increased 7.50% to $1,120,905 (March 2017 $1,042,258) and Dunedin increased 9.40% to $398,120 (March 2017 $363,821). You can see how the Reserve Bank law of maximum 65% finance for all investments properties (except new houses) has affected the values, particularly Auckland and Christchurch..

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 will require income tax to be paid on any gains and will be taxed at the seller's normal income tax rate. There is a new Bill going through Parliament at the moment to extend this to 5 years of ownership of investment property.

NZ exports remain high. Also with record high migration to New Zealand both from ex pats and other nationalities.

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 in many areas 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 35% 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 Australian passport/citizenship or New Zealand permanent residency.

Refer to my "Case Studies" on this website of many Australian residents, Ex Pat Kiwis living in Australia and overseas people investing or moving to NZ. There are many happy clients. 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.

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Find out more about New Zealand

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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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