Kiwi Rock NZ Mountain Lake NZ Beach Life New Zealand Sand Auckland Suburban houses Kiwi Road Sign Auckland at Night NZ Mountain Lake Hanging Dollar Pink Moneybox Sunrise Moeraki Boulders South Island Big Clinton Mary's Marlborough Sounds Holiday Cathedral Cove Coromandel Peninsula

Summer in New Zealand, for most people enjoy swimming at the beaches or the picturesque lakes, bushwalking (no snakes or deadly spiders), BBQs at the beach or at your house and generally a very relaxing time for everyone. Nice to have evergreen fields, blooming flowers and trees, daylight saving and warm days. It also reflects on the housing/finance market with many settlements at Christmas and new properties on the market late January. It is a great time to start househunting after your holiday, but remember to get your preapproval from Mary before househunting!!! New Zealand is a great place to live not only for lifestyle but for jobs, education and purchasing property. A huge factor is low interest rates. If you require a mortgage preapproval (valid 3 months) and seriously looking at properties in New Zealand then contact Mary.

So much in New Zealand has occurred in 2017. First and most important was New Zealand winning the America's Cup again!! Second the All Blacks winning the Bledisloe Cup yet again!!! Third was a new Labour Coalition Govrenment formed in September 2017. This Government has plans to ban foreign buying of "existing" homes from early 2017. The exception will be Australian citizens, as they have the same law pertaining to New Zealanders being able to purchase existing and new Australian property.

Financially from 1 January 2018 the Reserve Bank of NZ has announced that "investment" lending change from 60% to 65% finance (in other words a 35% deposit for investors). Owner Occupiers are 80% finance, but it lifted its "speed limit" on high LVR lending over 80% from 10% to 15% of all bank lending.. The exemptions are new land and construction for investors LVR is 70% for nonresidents and 80% residents. Since the Reserve Bank brought in the new law in October 2016 the housing market has quietened down in recent months.

GDP for Q2 (June 2016) was 2.8%.

Unemployment Rate for Q3 2017 was 4.6 down from 4.9% in Q3 2016.

New Zealand Banks' Policy on lending to residents and nonresidents earning foreign income is that there will be no future lending if you are who are not New Zealand or Australian citizens or do not have New Zealand Permanent Residency.

Since 2016 all nonresidents must have a NZ tax file number before they can settle any New Zealand Property and must provide their overseas tax file number.

Property Market - New Zealand average median house increased 6.4% in November 2017 to $663,698, Auckland Region Amazingly Decreased for first itme in years -0.5% to $1,045,741,(Nov 2016 12.8% increase $1,051,387), Tauranga increased 3.3% to $687,310 (2016 26.5% $665,155), Wellington Region increased 9.8% to $621,289 (Nov 2016 20.6% $565,631), Nelson increased 13% to $553,052 (Nov 2016 15.4% $489,338). Christchruch decreased 1.5% to $493,899 (Nov 2016 increased 4.3% to $501,229), Queenstown Lakes District increased 10.5% to $1,105,213 (Nov 2016 32.2% to $1,000,205) and Dunedin increased 13.1% to $386,326 (2016 Nov increased 11.4% to $341,604). So you can see the October 2016 Reserve Bank LVR Finance going down to 60% has affected most areas of New Zealand, particularly Auckland and Christchurch.

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.

All investors for NZ investment property must be aware of the law "Bright Line Test" whereby all investors who now purchase residential NZ property with the intention of selling and making a gain within the first 2 years 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)/

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.

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

Please Wait ...

Please wait

You can contact us on 02 9620 5559 or 0404 234517. 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.

Phone Number:

Please enter a description below: