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 to live not only for lifestyle but for jobs, education and purchasing a property.

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 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. ANZ forecast in June for stability in the housing, but there could be some bumps on the road ahead. There are First Home Buyer benefits and they have shown interest in 2018. ANZ predict in June housing market is as stable as it gets, with sales flat and price pressures gradually moderating. There is still strong population growth, low interest rates which are expected to persist. 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.

GDP for Q1 (March 2018) was 2.9%. NZ exports remain high.

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.

Unemployment Rate for Q1 2018 was 4.4% which is the lowest figure in 10 years.

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 6.90% in May 2018 to $677,996 (May 2017 $634,018), Auckland Region increased only 1% in March 2018 to $1,6.20% to $560,473 (May 2017 $527,974). Christchruch decreased 0.60% to $494,117 (March 2017 $497,120), Queenstown Lakes District increased 9.6% to $1,153,155 (May 2017 $1,052,211) and Dunedin increased 9.40% to $408,827 (May 2018 $373,810). 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 plus the Government new laws coming into force by the Labour Government.

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.

Read our latest newsletter below.

What New Zealand Mortgage Solutions Can Do For You

New Zealand Mortgages

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

We are accredited with 12 New Zealand banks/lenders and accredited with over 35 Australian lenders. This gives us and you an advantage.

Our focus is to help provide mortgage options and creating loan solutions for Australian residents and people around the world wanting a New Zealand mortgage. Our main aim has always been to help people own their own home and to choose with me.

To read the latest real estate 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.

Click here to view the newsletter

Home Loan Calculators And Currency Converters

Click here for mortgage calculators and currency converters.

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

Click here to read more media releases.

Newsletter - Edition 7


New Zealand Finance Updates

The Market Update

Lifestyle In New Zealand

Tourist Info

Immigration Information

New Zealand Lifestyle Statistics

Contact Us

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You can contact us on 02 9620 5559 or 0404 234517. You can email me directly at mary@nzms.com.au. 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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