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.
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


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 Summer 2020 News

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 (PERHAPS THE BEST COUNTRY IN THE WORLD TO RESIDE DURING THE WORLDWIDE COVID-19 TIMES). Recently it has been one of the few countries in the world to go down to COVID LEVEL 1 REVERTING TO "NEARLY" NORMAL LIFE AGAIN, i.e. unlimited numbers at sports, entertainment and public gatherings. We still have to wear masks on public transport and planes. New Zealanders should still continue monitor where they go with their COVID mobile app in case of another outbreak. The main condition left is our Closed Border to the rest of the world. Many New Zealanders are returning to New Zealand (in "managed isolation" usually by the Military in hotels for 2 weeks on arrival). New Zealand is great for lifestyle, jobs, education and property.

SO MUCH IN NEW ZEALAND HAS OCCURRED IN 2020. Not only COVID but Fixed Interest Rates hit "rock bottom" record at 2.39% for the first time (as at November 2020). First Home Buyers as a large percentage of home purchasers throughout all of NZ. Investors have been so active that banks have recently lowered the LVR back to 70% finance to control the booming market. The whole of New Zealand plus construction industry reflectis the property market growing faster than before COVID. COVID has brought New Zealanders "pulling together" and helping each other so much.

UNEMPLOYMENT RATE for Q3 September 2020 was 5.3%

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 plus interest rates.

FIRST HOME BUYERS - access to your deposit from your Kiwisaver Superannuation. Refer to Housing New Zealand website to see if you qualify There are Regional/Location purchase price and personal income limits. Up to 90% finance (conditions apply)


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.

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 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)