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What New Zealand Mortgage Solutions Can Do For You

We are mortgage brokers who specialise in providing New Zealand and Australian finance.

We are accredited with 21 New Zealand banks/lenders and accredited with over 35 Australian lenders. This gives us and you an advantage.
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Mary O’Brien’s career in finance spans more 21 years with successful businesses in Australia, New Zealand, UK, Ireland and USA. Mary is accredited with 35 Australian banks/lending institutions for Australian properties and 21 New Zealand banks/lending institutions for New Zealand properties.

Mary O’Brien

Mortgage Broker
For 21 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

Happy Clients

Gill

COVID 19 Assistance Thank You From Gill from UK assisting them with their Queenstown mortgage to revert to “Interest Only COIVID repayments” for 6 months cause of no tourists or occupancy. A lovely surprise to receive these beautiful flowers
Read Our Case Studies

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

“Putting Down Roots” Australia New Zealand Magazine UK July 2018
Mary O’Brien writeup for people permanently moving to NZ re purchasing their “dream property” and obaining a mortgage
“A New Life In Auckland” also “Where to Live” Australia New Zealand Magazine UK December 2017
Mary O’Brien not only writes about the qualities of Auckland but also “Where to LIve” outlining CBD, North Shore, East, West and South areas of Auckand with house values, schools and health
“Move to Auckland” by Mary O’Brien Australia New Zealand Magazine UK September 2017
Mary O’Brien writes about the change to move from overseas to Auckland with great information on high quality Education, Great Job Opportunities, Property Information and Great Relaxed Outdoor Lifestyle Auckland offers
Bang for buck: Australians looking overseas for affordable housing
Australian Financial Review 7-8 January 2017 - Mary O’Brien’s clients Chris and Jamie who reside and rent in Coogee Sydney constructed a 4 bedroom Queenstown ski chalet with beautiful snowcapped mountain views behind and lake views from the front for only NZ$1.3 Million. Where would you get anything like this in Australia for that price - read the very interesting writeup interviewing Chris and Jamie plus a small writeup on Mary O’Brien New Zealand Mortgage Solutions.

New Zealand Mortgages Solutions Mary's Autumn 2021 News

NEW ZEALAND AUTUMN MEANS lovely moderate temperatures where people are still getting away for long weekends. At the same time colours changing outdoors with really picturesque landscapes, particularly in the South Island in Queenstown and Wanaka.

NEW ZEALAND IS A GREAT COUNTRY RIGHT NOW (PERHAPS THE BEST COUNTRY IN THE WORLD TO RESIDE DURING THE WORLDWIDE COVID-19 TIMES). In the past "COVID Year" it has been one of the few countries in the world going down to Level 1 reverting to "Nearly" normal life again, i.e. unlimited number of sports, entertainment and public gatherings e,g, America Cup in Auckland. The main reason is the public co-operating with Govenment instructions and our "Closed Border" to the rest of the world except for many New Zealanders returning to New Zealand. New Zealand is great for lifestyle, jobs, education and property.

FINANCIAL NEWS - Since the lockdown last August the property market has gone absolutely crazy. From May 2021 the Reserve Bank has instructed all banks maximum 60% finance for all investors (exception new builds). In March 2021 the Government made a large announcement - the phasing out of interest deductibility on rental income for any investment purchased from 27 March. Investment properties owned before 27 March 2021 will have interest phased out over 4 years reducing by 25% per year and gone by April 2025. See Accountant Withers Tsang newsletter and IRD attachments below, The Government also doubled the Brightline Tax timeline from 5 to 10 years (except new builds). This will reflect on future purchases being for first home buyers and owner occupiers and perhaps properties may decrease slightly.

UNEMPLOYMENT RATE for Q4 December 2020 was 5.3%.

PROPERTY MARKET - As at 1 March 2021 New Zealand average median house increased in the past 12 months 14.5% to $753,038, Auckland Region increased 13.3% to $1,233,385, Tauranga increased 14% to $927,022, Wellington Region increased 12.3% to $952,320, Nelson increased 10.4% to $732,464, Christchurch increased 10.6% to $732,464, Queenstown Lakes District increased 2.5% to $1,316,587, Dunedin increased a huge 16% to $631,979, Invercargill a huge increase 16.9% $415,817. The strongest NZ performers were Gisborne an increased 30.6% to $544,343 and Whanganui 30% to $451,446. A lack of supply of properties on the market and huge demand has triggered the value increases plus interest rates. Everywhere in New Zealand property prices have gone crazy!!

FIRST HOME BUYERS - In March 2021 the Government has given some incentives e.g. increased personal income caps to get financial assistance for First Home Loan and Grant and throwing $3.8 Billion into housing.Refer to Housing New Zealand website to see if you quality www.hnzc.co.nz for this grant. 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.,

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 my website with great client comments and stories from residents residing in New Zealand. Also many Australian and Ex Pat Kiwis residing in Australia investing or moving to New Zealand.

Contact Mary from New Zealand Mortgage Solutions Pty Ltd for a preapproval from a choice of 21 leading New Zealand banks/lenders

Get in touch with Mary

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    Content on this website is general in nature and is not a recommendation, opinion or guidance to any individuals in relation to acquiring or disposing of a financial product. Readers should not rely on this content and should always seek specific financial advice appropriate to their own individual circumstances.

    Professional Investments Limited New Zealand (Financial Services Provider Register No. FSP768358 NZ Companies Office)

    Mary O'Brien is a Registered New Zealand Financial Adviser (Financial Services Provider Register No. 43497 NZ Companies Office) 

     Mary O'Brien is a Credit Representative (Credit Representative No. 398565) of Ozloans Finance Pty Ltd ABN 56 090 913 607 (Australia Credit Licence No. 391829)

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