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. 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

The NZ property and mortgage market showed early signs of recovery through winter. Lower interest rates are easing pressure on borrowers, while house prices are stabilising and buyer confidence is returning—slowly. For those refixing or entering the market, conditions are improving, though the pace remains steady rather than spectacular. The outlook points to more breathing room ahead.

OCR on hold at 3.25%

The Reserve Bank of New Zealand (RBNZ) maintained the OCR at 3.25% in its July meeting, pausing after six consecutive cuts totalling 225 basis points since August 2024.

Recent OCR Reductions:
- 9 April: Cut by 25 basis points to 3.50%.
- 28 May: Further cut by 25 basis points to 3.25%.
Outlook: The RBNZ signaled that further easing might be appropriate if economic conditions warrant it. Reuters

Mortgage Rates

Trend: Mortgage rates have generally decreased in response to the recent OCR cuts, and most exisiting mortgage holders are finally seeing some relief when refixing.
Current Rates (as of early July 2025, subject to change and lending conditions):
- Floating: Approximately 6.44%
- Fixed:
  - 6 months: Around 4.89%.
  - 1 year: Approximately 4.95%.
  - 2 years: Roughly 5.09%.
  - 3 years: About 5.69%.
Implication: Borrowers considering refixing may find more favorable rates compared to earlier in the year, there are opportunities for additional relief when refinancing.

Property Market Dynamics

House Prices

CoreLogic Home Value Index:
- May: Decreased by 0.1%.
- June: Increased by 0.2%, indicating a modest rebound. corelogic.co.nz
REINZ House Price Index:
- May: Recorded a 0.1% year-on-year increase but a 0.6% decline from April. reinz.co.nz

Sales Activity

Market Sentiment: Buyers are exhibiting cautious confidence, taking more time to commit, which suggests a more balanced market. reinz.co.nz
Listings: While listings have decreased, they remain above average in many markets, potentially keeping price growth contained in the short term. corelogic.co.nz

Economic Indicators

Inflation (CPI)

Q1 2025: Annual CPI inflation increased to 2.5%. Reserve Bank of New Zealand
Outlook: The RBNZ expects inflation to remain within its target range, supporting its recent decisions to lower the OCR. Reserve Bank of New Zealand

GDP Growth

Q1 2025: New Zealand's economy grew by 0.8%, following a 0.5% increase in Q4 2024. Stats NZ
Implication: The economy is showing signs of recovery, which may influence future monetary policy decisions.

What’s Not in the Headlines

Mortgage Refixing Wave: Over $200 billion in mortgages are due for refixing in the first half of 2025, potentially impacting household budgets and spending. interest.co.nz
Regional Variations: Some regions, like Southland, have shown consistent positive movement in the House Price Index, indicating localized market resilience. reinz.co.nz

Deeper Reads

RBNZ Cuts Rates Amid Global Uncertainty: An analysis of the RBNZ's decision to lower the OCR in response to global economic challenges. Reserve Bank of New Zealand
NZ Home Prices Projected to Rise: A Reuters poll suggests home prices may increase by 3.8% in 2025, supported by monetary policy easing. Reuters
CoreLogic June 2025 Housing Chart Pack: Detailed insights into property values and market trends across New Zealand. corelogic.co.nz

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