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.

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
Spring Greetings from Mary

SPRING IN NEW ZEALAND means thousands of lambs bouncing around lush evergreen fields, blooming flowers/trees, daylight saving with longer daylight "relaxed Kiwi lifestyle" hours and warmer days. Spring also is a househunting/finance season where vendors put their house on the market and purchasers are keen to settle before Christmas.

NEW ZEALAND UPDATE: Up to October 2024 in New Zealand property sales volumes have remained weak, although great news of Reserve Bank reduced Cash Rate in August (1st cut in more than 4 years) and Economists predict 2 further cuts in 2024. Fixed Rates continue to reduce very regularly (USA reducing rate) and with predictions of further Fixed Rate Cuts in 2025. Despite lower interest rates, property values are falling. Core Logic says latest home value figures are patchy and generally sluggish. Rents are down and, like most countries, the cost of living has risen. Great News - New Zealand continues to reduce inflation to 3.3% for June quarter. We are still lucky to be residing "Downunder" in New Zealand compared to most of the world.

UNEMPLOYMENT RATE for Q2 June 2024 was 4.6% up from 3.4% in Q2 2023.

PROPERTY MARKET - As at 1 October 2024 New Zealand average median house decreased in the past 12 months -1.2% to $805,426, Auckland Region decreased -3.9% to $1,059,472, Hamilton decreased -3.7% to $748,147, Tauranga decreased -2.3% to $899,685, Wellington Region decreased -1.1% to $808,753, Nelson decreased -0.3% to $719,987, Christchurch increased 2.4% to $663,337, Queenstown Lakes District increased 2.5% to $1,689,685, Dunedin increased 3.5% to $601,300 and Invercargill increased 5.2% to $464,444. Most main areas in New Zealand decreased in value in past 12 months except Queenstown Lakes and Invercargill increasing in value (see attached Core Logic Home Value Index 1 October 2024).

FIRST HOME BUYERS - Contact Mary 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 new properties are acceptable.

INVESTORS GOOD NEWS "BRIGHT LINE TEST" reduced in July 2024 to 2 years (from 10 years) ownership of investment property (i.e. if you purchased investment property after October 2015) See The Inland Revenue Department will require income tax to be paid on any gains and will be taxed at the seller's normal income tax rate. See IRD Website.

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 market change 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 $2,000 legals and registration 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 for a preapproval from a choice of 21 leading New Zealand banks/lenders.