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.

NEW ZEALAND IS A GREAT PLACE (PERHAPS THE BEST COUNTRY IN THE WORLD) TO LIVE IN PARTICULAR THROUGH THESE COVID 19 TIMES and finally being one of the few countries in the world to go down to COVID 1 REVERTING TO NORMAL LIFE AGAIN, i.e. unlimited numbers at sports, entertainment and public gatherings. The only condition left is our closed border to the rest of the world. New Zealand is great for lifestyle, jobs, education and property.

FINANCIAL NEWS - Mortgage Interest Rates are an all time low with steadily declining fixed rates as low as 2.65%. There is no "crystal bowl" to predict the future of rates, but economists predict they will remain low. This reflects a great time to contact Mary to revise your existing interest rate or to inquire on a preapproval to purchase property. COVID put a pause to property settlements, so it will be interesting to see future statistics now that NZ is at COVID 1. Reserve Bank cash rate reduced this year to 0.25% all time record and lifted the LVR 70% restriction on Investment property purchase, leaving the banks to decide on LVR. Wait and see!! Owner occupiers 80% to 90% (special conditions and bank limits/restrictions over 80% apply).

PROPERTY MARKET - As at 1 June 2020 QV Property Statistics - New Zealand average median house increased in the past 12 months 7.7% to $739,539, Auckland City Region increased 6.2% to $1,285,679, Tauranga increased 6.9% to $792,643, Wellington Region increased 7.9% to $894,710, Nelson increased 5.4% to $658,374, Christchruch increased 3.7% to $517,376, Queenstown Lakes District increased 3% to $1,218,418 and Dunedin increased a huge 21.1% to $552,304 Many reasons for these values. COVID 19 will reflect on the property market for the rest of the 2020 year, i.e. job stabilty, job income, unemployment rate, locations of tourism industry (e.g. Queenstown). A wait and see game for property values,sales and record low interest rates!!!

FIRST HOME BUYERS - Contact Mary to inquire on using some of your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you quality www.hnzc.co.nz. There are purchase price and personal income limits. Up to 90% finance (conditions apply).

REMEMBER ALL NONRESIDENTS MUST HAVE A NZ TAX FILE NUMBER BEFORE THEY SETTLE ANY NEW ZEALAND PROPERTY and must provide their overseas tax file number.

ALL INVESTORS BEWARE OF THHE "BRIGHT LINE TEST" up to 5 years ownership of investment property i.e. if you purchased investment property after October 2015 with the intention of selling and making gain the Inland Revenue Department will require income tax to be paid on any gains and will be taxed at the seller's normal income tax rate.

NONRESIDENTS PURCHASING PROPERTY IN NZ - There is a ban of nonresidents purchasing "existing residential properties" - with the exception of New Zealand, Australian and Singaporean citizens). Nonresidents purchasing new properties are acceptable.

RENTAL AND VALUES: 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 your deposit for the property plus approximately NZ$1,500 legals to NZ solicitor to acquire a New Zealand property.

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.

Read our latest newsletter below.


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.

For 20 Years We Have Been Helping New Zealanders, Australians and Other Nationalities Find the Right Loan from the Largest Panel of New Zealand’s Leading Banks and Lenders

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

Click here for mortgage calculators and currency converters.

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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