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What New Zealand Mortgage Solutions Can Do For You

We are Mortgage Advisers who specialise in providing New Zealand finance to people residing in New Zealand, Australia and many other countries.

We are accredited with 22 New Zealand banks/lenders and previous accreditation with over 35 Australian lenders when resident in Australia. This gives us and you an advantage.
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Mary O’Brien’s career in finance spans more 24 years with successful businesses in Australia and New Zealand. Mary is accredited 22 New Zealand banks/lending institutions for New Zealand properties and previously 35 Australian banks/lenders.

Mary O’Brien

Mortgage Adviser
For 24 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

Young Liam and Courtney

Mary helped us figure out a price range we could afford to go for. We finally found a modern 3 bedroom home which we fell in love with and managed to secure. Mary made the whole process very stress free and her ability to discuss our situation with the bank quickly was extremely helpful.
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.

Newsletter
Summer Greetings from Mary

SUMMER IN NEW ZEALAND MEANS SUN,HOLIDAYS, SWIMMING AT THE BEACHES OR PICTURESQUE LAKES, BUSHWALKING (NO SNAKES OR DEADLY SPIDERS), BBQs at the beach or at your house and generally a very relaxing time for everyone. It also means daylight saving with nice long, warm, days.

NEW ZEALAND UPDATE: In 2022 New Zealanders and Australians have experienced a very hard year financially with high inflation/cost of living, ongoing increased interest rates and unpredictable international issues. On the other hand with record low unemployment 3.3%, wage increases and median New Zealand house prices decreasing 7.5% annually then this is good for purchasers. We are still lucky to be residing "Downunder" compared to most of the world.

FINANCIAL NEWS INTEREST RATES Fixed Interest Rates began to rise in USA in July 2021 when inflation began to increase and they have continued to increase in NZ since then. Unfortunately the Reserve Bank of NZ raised Official Cash Rate (variable rate) several times in 2022 and are forecast further increases in 2023 until they get inflation reduced down (now 7.2%). They want everyone to be "tightening teir belts" which is hard with summer holidays etc...

THE BUYERS AND DAYS TO SELL: First Home Buyers are around 25% of the market and particularly like "New Builds", but recent tightening by Reserve Bank restricting banks to only 10% total lending over 80% finance has changed them. Real Estate Institute report sales down In November 22 by 34.7% and overall market value house price index dropped 10.9% annually, taking 44 days to sell a property.

PROPERTY MARKET - As at 1 December 2022 New Zealand average median house decreased in past 12 months -2.9% to $958,622, Auckland Region decreased -3.1% to $1,358,998, Tauranga decreased -3.7% to $1,073,558, Wellington Region decreased -15.9% to 937,870, Nelson decreased -4.1% to $812,282, Christchurch increased 4.9% to $754,780, Queenstown Lakes District increased 6.3% to $1,687,671, Dunedin decreased -7.0% to $647,273, Invercargill decreased -1.1% to $456,290. (Core Logic Stats 1 December 2022).

FIRST HOME BUYERS - access to your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you qualify www.hnzc.co.nz. There are Regional/Location purchase price and personal income limits.

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/or 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 to $1,900 legals to NZ solicitor to acquire a New Zealand property.

REFER TO MY "CASE STUDIES"on my website for many New Zealand residents, Ex Pats moving back to New Zealand, Nonresidents particularly Australians and Kiwis residing in Australia and other countries all purchasing in NZ.

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

SUMMER IN NEW ZEALAND MEANS SUN,HOLIDAYS, SWIMMING AT THE BEACHES OR PICTURESQUE LAKES, BUSHWALKING (NO SNAKES OR DEADLY SPIDERS), BBQs at the beach or at your house and generally a very relaxing time for everyone. It also means daylight saving with nice long, warm, days. It also reflects on the housing/finance market with many settlements at Christmas and new properties on the market late January. Great time to start househunting after your holiday. With interest rates at 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!!!

SO MUCH IN NEW ZEALAND HAS OCCURRED IN 2019. First Fixed Interest Rates hit "rock bottom" record at 3.39% for the first time. First Home Buyers as a large percentage of home purchases on outskirts of cities. Investors recently purchasing again although bank LVR is 70%. 2019 has also been an extremely sad year for New Zealand firstly with the Christchurch mosque attack in March and White Island volcano exploding in December with a number of people who died and seriously injured. These sad instances showed how amazing New Zealanders "pulled together" and helped so much.

UNEMPLOYMENT RATE for Q3 September 2019 was 4.2%

PROPERTY MARKET - As at 1 November 2020 New Zealand average median house increased in the past 12 months 8% to $753,038, Auckland Region increased +6% to $1,093,405, Tauranga increased 6.1% to $803,447, Wellington Region increased 11.1% to $811,099, Nelson increased 6.7% to $675,280, Christchurch increased 5.2% to $526,062, Queenstown Lakes District decreased -4.3% to $1,202,463, Dunedin increased a huge 14% to $554,420, Invercargill increased 13.7% $362,380. The strongest NZ performer was Gisborne increased 25.5% to $475,128. Wellington remains strongest "growing market of main centres. A lack of supply of properties on the market has triggered the value increases.

FIRST HOME BUYERS - access to your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you quality www.hnzc.co.nz. There are Regional/Location 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.,

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/or 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 for many New Zealand residents, Ex Pats moving back to New Zealand, Nonresidents particularly Australians and Kiwis residing in Australia and other countries purchasing in NZ.

Contact Mary from New Zealand Mortgage Solutions Pty Ltd for a preapproval from a choice of 18 leading New Zealand banks/lenders.

SUMMER IN NEW ZEALAND MEANS SUN,HOLIDAYS, SWIMMING AT THE BEACHES OR PICTURESQUE LAKES, BUSHWALKING (NO SNAKES OR DEADLY SPIDERS), BBQs at the beach or at your house and generally a very relaxing time for everyone. It also means daylight saving with nice long, warm, days.

NEW ZEALAND UPDATE: 2024 is arriving!!! 2023 was a challenging climatic change worldwide, particularly Auckland and the North Island experiencing worst cyclones and floods in New Zealand history. New Zealand, Australia and most countries financially experienced higher rents, continuous interest rate increases and most of all increased cost of living for everyone. On the other hand, inflation has reduced in most worldwide countries, including New Zealand down to 5.6%, and unemployment is 3.9%. We are still lucky to be residing "Downunder" compared to most of the world.

FINANCIAL NEWS INTEREST RATES Fixed Interest Rates were increasing worldwide (reflectant on USA ), Variable rates - the Reserve Bank has increased Cash Rate 4 times in past 12 months. On a positive note Inflation (5.6%) economists expect further decreases. Growth in the economy has been propped up by migration (just over 200,000 have arrived jon Work Visa since January 2023). Economists say statistics show New Zealanders' "purse strings" are very tight focussing on essentials and a little bit of travel. Hopefully everyone can have a nice Summer Holiday.

PROPERTY MARKET - As at 1 December 2023 Core Logic reports New Zealand Average Median House decreased in the past 12 months -4.5% to $915,448, Auckland Region decreased -6.5% to $1,270,138, Tauranga decreased -5.7% to $1,012,788, Wellington Region decreased -3.9% to $901,387, Nelson decreased -4.9% to $772,671, Christchurch decreased -1.1% to $746,506, Queenstown Lakes District increased +2.6% to $1,731,508, Dunedin decreased -3.1% to $627,329 and Invercargill increased +0.4% to $458,151 (Core Logic Statistics 1 December 2023).

FIRST HOME BUYERS - access to your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you qualify www.hnzc.co.nz. There are Regional/Location purchase price and personal income limits. Policy changes very regularly.

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 brand 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 or decline and/or 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 to $1,900 legals to NZ solicitor to acquire a New Zealand property.

REFER TO MY "CASE STUDIES"on my website for many New Zealand residents, including many Ex Pats who have moved back to New Zealand, Nonresidents particularly Australians and Kiwis residing in Australia or other countries all purchasing investment property in 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.

Mary O’Brien

New Zealand Financial Adviser
Financial Services Provider Register No. 43497

Professional Investments Limited New Zealand
Financial Services Provider No. 768358

Trading as New Zealand Mortgage Solutions Limited New Zealand

Trading as New Zealand Mortgage Solutions Australia

ABN 42 154 883 672

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