Get a mortage on New Zealand property while living in Australia

We help Aussies get approved for New Zealand property loans. No guesswork. No runaround. Just results.

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Why choose us

Over 20 years helping Australian residents invest in New Zealand property

With New Zealand Mortgages

Built for Cross-Tasman Buyers

A lot of our clients live in Australia and buy in NZ. We specialise in bridging that gap from income assessment to bank selection.

Built for Cross-Tasman Buyers

A lot of our clients live in Australia and buy in NZ. We specialise in bridging that gap from income assessment to bank selection.

Fast, Honest Guidance

You won’t get vague advice or half-answers. We give you a clear view of your options from day one so you can act with confidence.

Fast, Honest Guidance

You won’t get vague advice or half-answers. We give you a clear view of your options from day one so you can act with confidence.

NZ Bank Expertise

We know which NZ lenders accept Aussie income, equity, and visa status - and importantly how to structure your application to match their policy.

NZ Bank Expertise

We know which NZ lenders accept Aussie income, equity, and visa status - and importantly how to structure your application to match their policy.

Other mortgage brokers

Local Experience Only

Most brokers are great for Aussie-to-Aussie loans but fumble when it comes to NZ’s rules, LVRs, and offshore income policies.

Local Experience Only

Most brokers are great for Aussie-to-Aussie loans but fumble when it comes to NZ’s rules, LVRs, and offshore income policies.

Vague Advice, Slow Response

You’ll often hear “we’ll look into it” instead of clear next steps. That means delays, confusion, and missed opportunities.

Vague Advice, Slow Response

You’ll often hear “we’ll look into it” instead of clear next steps. That means delays, confusion, and missed opportunities.

Wrong Bank, Wrong Outcome

Generic brokers waste time applying to lenders that won’t touch offshore deals. We don’t guess, we know where to go.

Wrong Bank, Wrong Outcome

Generic brokers waste time applying to lenders that won’t touch offshore deals. We don’t guess, we know where to go.

We work with New Zealand’s best lenders for overseas buyers

"As Aussies buying our first rental property in Christcurch,we had no idea where to start! The team explained it all and got us approved fast."

Sarah and Adrian, Sydney

Important to know

Thing to consider when purchasing a property in New Zealand as an Australian resident

No Stamp Duty
Forget hefty state-based stamp duty, NZ doesn’t charge it. One less cost to budget for!
No CGT—but Bright-line Applies
NZ has no capital gains tax, but sell within 2 years and you may pay tax under the Bright-line rule.
Higher Deposits for Investors
Buying as an investor? Expect a 30–40% deposit - tougher than Australia’s 10–20%.
Low Foreign Buyer Restrictions
While Australian buyers are far less restricted than many other nationalities, the purchase of some sensitive land is still controlled.
Banking is Less Automated
NZ lenders assess offshore income more conservatively. Approval takes more legwork.
No Stamp Duty
Forget hefty state-based stamp duty, NZ doesn’t charge it. One less cost to budget for!
No CGT—but Bright-line Applies
NZ has no capital gains tax, but sell within 2 years and you may pay tax under the Bright-line rule.
Higher Deposits for Investors
Buying as an investor? Expect a 30–40% deposit - tougher than Australia’s 10–20%.
Low Foreign Buyer Restrictions
While Australian buyers are far less restricted than many other nationalities, the purchase of some sensitive land is still controlled.
Banking is Less Automated
NZ lenders assess offshore income more conservatively. Approval takes more legwork.
No Stamp Duty
Forget hefty state-based stamp duty, NZ doesn’t charge it. One less cost to budget for!
No CGT—but Bright-line Applies
NZ has no capital gains tax, but sell within 2 years and you may pay tax under the Bright-line rule.
Higher Deposits for Investors
Buying as an investor? Expect a 30–40% deposit - tougher than Australia’s 10–20%.
Low Foreign Buyer Restrictions
While Australian buyers are far less restricted than many other nationalities, the purchase of some sensitive land is still controlled.
Banking is Less Automated
NZ lenders assess offshore income more conservatively. Approval takes more legwork.
No Stamp Duty
Forget hefty state-based stamp duty, NZ doesn’t charge it. One less cost to budget for!
No CGT—but Bright-line Applies
NZ has no capital gains tax, but sell within 2 years and you may pay tax under the Bright-line rule.
Higher Deposits for Investors
Buying as an investor? Expect a 30–40% deposit - tougher than Australia’s 10–20%.
Low Foreign Buyer Restrictions
While Australian buyers are far less restricted than many other nationalities, the purchase of some sensitive land is still controlled.
Banking is Less Automated
NZ lenders assess offshore income more conservatively. Approval takes more legwork.

Read Our Aussie Buyers Guide

Book a free lending scenario review with our team

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Market Insights

The New Zealand property market at a glance

Average residential rent

NZ$572/week (year to Jun 2025)

Rent growth close to flat; rental market showing clear moderation.

House price index

–1.1% over Q3 2025, avg value NZ$900,521

Prices modestly declining; suggests buyer caution and stock levels constraining upward momentum.

Mortgage rate: Avg 1yr fixed

5.40% (as of Oct 2025)

Borrowing cost easing; may support demand if confidence returns.

Net migration gain

+13,700 (year to Jun 2025)

Slowing migrant inflows reduce a key demand driver for housing.

Official Cash Rate (OCR)

2.50% (as of 8 Oct 2025)

Monetary policy easing materially; stimulates housing but risk remains.

Residential building consents

8,196 (quarter to Jun 2025)

Consent numbers barely falling; supply creation holding up but still weak.

View our blog & more market insights

The Application Process

We make the borrowing process simple, supporting you every step of the way

Get in touch

Book your free consultation

We’ll send you a short onboarding pack to complete. After assessing your situation we will then setup a call to discuss your options and develop a plan.

Get in Touch

Book your free consultation

We’ll send you a short onboarding pack to complete. After assessing your situation we will then setup a call to discuss your options and develop a plan.

Get in Touch

Get matched with lenders

We will filter and prioritise the banks to approach based on the type of property, your income, deposit, and goals. We give you a detailed breakdown and then align on a pathway.

Get in Touch

Get matched with lenders

We will filter and prioritise the banks to approach based on the type of property, your income, deposit, and goals. We give you a detailed breakdown and then align on a pathway.

Get in Touch

Settle with confidence

We’ll be right beside you until the keys are in your hand. From final paperwork to lender liaison, we ensure your settlement is smooth, stress-free, and on time.

Get in Touch

Settle with confidence

We’ll be right beside you until the keys are in your hand. From final paperwork to lender liaison, we ensure your settlement is smooth, stress-free, and on time.

Get in Touch