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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 20 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 and New Zealand. Mary is accredited with 35 Australian banks/lending institutions for Australian properties and 20 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.

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 IS A GREAT COUNTRY RIGHT NOW. In 2021 New Zealanders and Australians have experienced "lockdown" but are still very lucky residing "Downunder" isolated from the rest of the world, enduring far less COVID cases than most of the world. New Zealand has reverted to a 3 Level Traffic Light Zone.With the 90% target of "double jabs" (87% as of 1 December) with your personal COVID digital Pass there will be hopefully events, concerts, holidays and attend work again throughout all of New Zealand. Many New Zealanders are returning to New Zealand (in "managed isolation") realising what they have missed. New Zealand is great for lifestyle, jobs, education and property (Auckland named "No. 1 Most Liveable City In The World" in June 2021 - see attachment).

FINANCIAL 2021 AND 2022. Fixed Interest Rates were "rock bottom" mid 2021 (e.g. 2.39% 1 year) but since then rate increases have been the fastest 6 month increase in history (average 2% increase across the board). Also alot of expected tightening of monetary policy plus new and revised financial laws in 2021. As inflation hit 4.9% in November plus the lowest recorded unemployment rate 3.4% and strong economy, the economists predict slower rising rates and softening of housing sector in 2022..

THE BUYERS AND DAYS TO SELL: First Home Buyers increased 2021 (particularly with "New Builds"), but recent tightening by Reserve Bank restricting banks to only 10% total lending over 80% finance has changed them. Investors have subdued since Government policy in March 2021 on lending (Max 60% except New Builds) and less tax incentives. There is still "low listings" of property throughout New Zealand, so demand continues. Days to sell all over New Zealand in November 34 days (REINZ Real Estate Institute NZ).

PROPERTY MARKET - As at 1 December 2021 (nearly all NZ locations recorded double-digit annual increases) New Zealand average median house increased in the past 12 months 28.4% to $987,401, Auckland Region increased +25.7% to $1,402,845, Tauranga increased 35.8% to $1,114,481, Wellington Region increased 33.5% to $1,114,979, Nelson increased 24.2% to $846,680, Christchurch increased 35.5% to $719,493, Queenstown Lakes District increased 33.3% to $1,587,469, Dunedin increased 21.8% to $696,009, Invercargill increased 24.6% $461,111. The strongest NZ performer was Carterton (near Masterton) increased 42.2% to $737,497 (Core Logic Stats 1 December 2021).

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 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.

Important Reading:

New Zealand Finance Updates

Financial Forecast and Economic Situation Tony Alexander Economist 25 Nov 11
- Top Economist forecasts of Interest Rates and Financial Overall.
ANZ Property Focus 16 Nov 21
- In depth report - Interest Rate Predictions page 12-14.
New builds: 20 Year Exemption from Tax Changes
- Government 20 Year Exemption New Builds Interest Deduction
Tighter LVR Restrictions Owner Oxcupiers Reserve Bank 3 September 21
- Reserve Bank tightens up LVR for Owner Occupiers Over 80% LVR Limit
One Punch To Property Investors Accountant Newsletter Re Tax Changes March 2021
- Accountant Mark Withers outlining to Property Investors the drastic action taken by the Government. Refer Links for the IRD (tax) regulations

Market Updates:

CoreLogic Nov House Price Index media release 1 Dec 21
- Values of Nearly All NZ Locations Showing 12 Month Value Difference
CoreLogic NZ House Price Index Locations 30 Nov 2021
- Full Individual Report on Many Location Values
Index chart value Main Centres Core Logic Dec 21
- Amazing to See Difference 2006 to 2021
17 Reasons Why Boom Is Over Financial Update Tony Alexander 2 Dec 21
- By Economist Tony Alexander Property and Interest Rate Updates
Investor Insight Nov 21 Crockers Tony Alexander Economist
- Full Market, Property & Finance Report Leading Economist
- News says "Covid-19 has shaken up the Economist Intelligence Unit's (EIU) annual ranking of most liveable cities, propelling Auckland to First
- NZ Unique Town Emblems Lemon & Paeroa, Gumboot, Carrot, Kiwifruit, Dog & Sheep, Donut, Trout and Paua Shell

Get in touch with Mary

Please give as much detail as possible and we will get back to you as soon as possible.

    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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