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Spring in New Zealand means thousands of lambs bouncing around lush evergreen fields, blooming flowers and trees, daylight saving with longer daylight "relaxed Kiwi lifestyle" hours and warmer days. It also reflects on the housing/finance market with vendors putting their house on the market in Spring. Great time to start househunting, 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 4 to 6 months) and seriously looking at properties in New Zealand then contact Mary.

From 1st October the Reserve Bank of NZ has brought in new restrictions on Loan to Valuation Ratios to all New Zealand banks. This means that maximum lending for investment property is 60% and owner occupied is 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. Since this announcement in late July the property market is starting to cool down. The Reserve Bank took this action, as the property market throughout the whole of New Zealand was extremely active as well as the new "Responsible Lending" law.

GDP for Q2 (June 2016) was 2.8%.

Unemployment Rate for Q2 2016 was 5.1% down from 5.5% in Q2 2015.

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.

All nonresidents now, 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 14.1% in July 2016 to $602,434, Auckland area increased 16% to $992,207, Tauranga increased 25.7% to $615,625, Wellington Region increased 14.4% to $524,063. Christchruch increased 3.5% to $492,165, Queenstown Lakes District increased 27% to $910,974 and Dunedin increased 11.1% to $331,967.

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.

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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

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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.

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