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.

Drawing on his impressive 20-year career in senior Digital Media and Marketing roles across Meta, Warner Bros. Discovery, NZME, and Snapchat in both New Zealand and Australia, Tama now brings his innovative expertise to mortgage advising. As a dedicated Mortgage Adviser at Stewart + Lord, Tama works alongside specialists from banking and legal backgrounds to provide comprehensive, fee-free mortgage solutions for clients across New Zealand and around the world.

Tama Sefuiva

Mortgage Adviser

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

You 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. You made the whole process very stress free and your 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 Tama

As the days get cooler and autumn properly sets in here in New Zealand, the property market is starting to heat up. Rates have been on the move, the housing market’s showing signs of life, and the Reserve Bank is signalling more changes ahead. Here’s what’s worth knowing about the market:

Just Announced: OCR Cut to 3.5%

On April 9, the Reserve Bank of New Zealand (RBNZ) reduced the Official Cash Rate (OCR) by 25 basis points to 3.5%, marking a total reduction of 200 basis points since August 2024. The Monetary Policy Committee indicated that further reductions are appropriate, as inflation now sits around the midpoint of the 1–3% target band, and global growth risks have intensified due to rising trade tensions. All eyes now turn to the next OCR announcement on May 28th. (Source)

Mortgage Rates Continue to Decline

Following the April OCR cut, banks have sharpened their fixed mortgage rate offerings. As of late April, most major banks are offering:

1-year fixed: 4.99%
2-year fixed: 4.99%
3-year fixed: 5.19%

These levels present strong opportunities for borrowers to refix or secure new home loans on better terms than were available six months ago.

Inflation Steady at 2.5%

Stats NZ reports annual CPI inflation of 2.5% to March 2025, consistent with the RBNZ’s target range. This provides further justification for current and potentially deeper interest rate cuts.

Housing Market Shows Modest Growth

The property market has now recorded five straight months of modest price gains. In March, national values rose 0.4%, bringing the average price to $970,000. That said, overall growth remains restrained by high levels of available inventory. (Source)

WHATS NOT IN THE HEADLINES

Regional Disparities in House Prices

While national prices are up slightly, regions such as Wellington and Northland are seeing price declines, reinforcing the need to consider local conditions when purchasing, refinancing or extracting equity.

Bank Rate Adjustments Vary

Not all lenders have passed on the OCR reduction equally. Borrowers should actively compare offers rather than assume uniform pricing across banks.

DEEPER READS

Why Kiwis might pass on mortgage rate of 4.99% as OCR cut looms
A look at why some borrowers are still holding out for lower rates. (read more)
New Zealand Property Focus – April 2025
ANZ's analysis on market stabilisation and forecasted interest rate movements. (read more)
RBNZ: Further reduction in OCR appropriate
Full statement on the recent OCR decision and monetary policy outlook. (read more)

FIRST HOME BUYERS - Contact Tama to inquire on using some of your deposit from your Kiwisaver Superannuation.

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.

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 Tama from New Zealand Mortgage Solutions Ltd for a pre-approval from a choice of 21 leading New Zealand banks/lenders