Big Clinton Sheep Auckland at Night Mary Coronet Peak Kiwi Rock NZ Beach Life Auckland Suburban houses Kiwi Rock Wakaclinton Road South NZ Mountain Lake Hanging Dollar

SPRING IN NEW ZEALAND means thousands of lambs bouncing around lush evergreen fields, blooming flowers/trees, daylight saving with longer daylight "relaxed Kiwi lifestyle" hours and warmer days. Spring also is a househunting/finance season where vendors put their house on the market and purchasers are keen to settle before Christmas. With interest rates on a record "low" and a "buyer's market" now is a good time to obtain a mortgage preapproval (valid 3 months) then seriously look at properties in New Zealand. Contact Mary before househunting to know where you stand!!!

NEW ZEALAND IS A GREAT PLACE TO LIVE not only for lifestyle but for jobs, education and purchasing a property. 

GOVERNMENT POLICY CHANGES RE NZ PROPERTY FOR NONRESIDENTS - Nonresidents living overseas cannot own "existing" property in New Zealand unless they are Australian, Singaporean citizens or New Zealand citizens or NZ permanent residents. One exception is brand new property. Bank policy lending changes reflect this.

PROPERTY MARKET 30 SEPTEMBER 2018 - New Zealand average median house increased 4.6% to $626,427 (September 2017 $646,378), Auckland Region increased only 0.8% to $1,047,415 (September 2017 $1,039,066). Wellington City increased 8.5% to $795,098 (September 2017 $732,708), Christchurch decreased 0.50% to $493,922 (Sept 2017 $491,626), Queenstown Lakes District increased 8.3% to $1,169,834 (September 2017 $1,079,748) and Dunedin increased 10.40% to $420,127 (Sept 2017 $380,701). Annual growth is strong where First Home Buyers and Investors makeup more affordable areas on outskirts of city centres.

ALL INVESTORS must be aware of extension to the "Bright Line Test" to 5 years ownership of investment property. If you purchase now with the intention of selling and making gain it 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).

GDP for Q2 (June 2018) was 2.7%. NZ exports remain high.

UNEMPLOYMENT RATE for Q2 2018 was 4.59% down from 4.8% in Q2 2017.

FINANCIALLY RESERVE BANK OF NZ CONTINUES WITH ALL INVESTORS BANK MAXIMUM LENDING FOR INVESTMENT PROPERTY BEING 65% of purchase price. EXCEPTIONS are new investment land and construction (70% nonresidents and 80% residents). Owner Occupiers and First Home Buyers up to 90% finance.

ALL NONRESIDENTS MUST HAVE A NZ TAX TILE NUMBER before they can settle any New Zealand Property and must provide their overseas tax file number.

FIRST HOME BUYERS - with latest Kiwibuild homes and access to your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you quality There are purchase price and personal income limits. Up to 90% finance (conditions apply).

RENTAL AND VALUES - When you look at such a diversified value in New Zealand and look at rental return on the Government website on my "Useful Links" section, you will see the rental returns and value statistics 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 if you have a NZ or Australian passport/citizenship.

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

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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

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You can contact us on 0800 0517177 or +61 2 9620 5559. You can email me directly at 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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