Get a mortage on New Zealand property while living overseas
We help people from across the world get approved for New Zealand property loans. No guesswork. No runaround. Just results.
Why choose us
Over 20 years helping overseas buyers invest in New Zealand property
With New Zealand Mortgages
Built for Offshore Buyers
Most of our clients live overseas and buy in NZ. We specialise in bridging that gap - from income assessment to bank selection.
Built for Offshore Buyers
Most of our clients live overseas 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 lenders accept overseas incomes, equity and applications and can help you structure your application to meet their policies.
NZ Bank Expertise
We know which lenders accept overseas incomes, equity and applications and can help you structure your application to meet their policies.
Other mortgage brokers
Local Experience Only
Most brokers are great for domestic buyers—but fumble when it comes to NZ’s rules and how they relate to offshore buyers, LVRs, and income policies.
Local Experience Only
Most brokers are great for domestic buyers—but fumble when it comes to NZ’s rules and how they relate to offshore buyers, LVRs, and 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
Main street brokers waste time applying to lenders that won’t touch offshore deals. We don’t guess - we know where to go to get you backed.
Wrong Bank, Wrong Outcome
Main street brokers waste time applying to lenders that won’t touch offshore deals. We don’t guess - we know where to go to get you backed.
Important to know
Thing to consider when purchasing a property in New Zealand as an overseas resident
Strict Buying Rules for Non-Residents
Most non-residents and some foreign citizens can’t buy existing homes. Rules are tight—know them before you shop.
Bigger Deposits Needed
Foreign buyers often need 30–40% deposits. Owner-occupiers need at least 20%.
No Stamp Duty or CGT
NZ has no stamp duty, no general CGT, and no inheritance tax. But the Bright-line rule matters.
Loans Are Manual, Not Instant
NZ banks might move slower than you're used to. Conditional approval is standard—not instant approval.
Legal Due Diligence Is on You
The sale becomes binding early. You’ll need a good lawyer upfront for LIMs, titles, and zoning.
Strict Buying Rules for Non-Residents
Most non-residents and some foreign citizens can’t buy existing homes. Rules are tight—know them before you shop.
Bigger Deposits Needed
Foreign buyers often need 30–40% deposits. Owner-occupiers need at least 20%.
No Stamp Duty or CGT
NZ has no stamp duty, no general CGT, and no inheritance tax. But the Bright-line rule matters.
Loans Are Manual, Not Instant
NZ banks might move slower than you're used to. Conditional approval is standard—not instant approval.
Legal Due Diligence Is on You
The sale becomes binding early. You’ll need a good lawyer upfront for LIMs, titles, and zoning.
Strict Buying Rules for Non-Residents
Most non-residents and some foreign citizens can’t buy existing homes. Rules are tight—know them before you shop.
Bigger Deposits Needed
Foreign buyers often need 30–40% deposits. Owner-occupiers need at least 20%.
No Stamp Duty or CGT
NZ has no stamp duty, no general CGT, and no inheritance tax. But the Bright-line rule matters.
Loans Are Manual, Not Instant
NZ banks might move slower than you're used to. Conditional approval is standard—not instant approval.
Legal Due Diligence Is on You
The sale becomes binding early. You’ll need a good lawyer upfront for LIMs, titles, and zoning.
Strict Buying Rules for Non-Residents
Most non-residents and some foreign citizens can’t buy existing homes. Rules are tight—know them before you shop.
Bigger Deposits Needed
Foreign buyers often need 30–40% deposits. Owner-occupiers need at least 20%.
No Stamp Duty or CGT
NZ has no stamp duty, no general CGT, and no inheritance tax. But the Bright-line rule matters.
Loans Are Manual, Not Instant
NZ banks might move slower than you're used to. Conditional approval is standard—not instant approval.
Legal Due Diligence Is on You
The sale becomes binding early. You’ll need a good lawyer upfront for LIMs, titles, and zoning.
We work with New Zealand’s best lenders for overseas buyers
We work with New Zealand’s best lenders for overseas buyers
Overseas Buyers Guides
Take a look at lending advice by country
Contact us
Book a free lending scenario review with our team
FAQ
Answers to the most common questions about buying and borrowing in New Zealand
Can I get a mortgage in New Zealand as an overseas buyer?
Which visas are eligible for a home loan in NZ?
How much deposit do I need as an international buyer?
Can I use overseas income to apply?
What documents do I need to apply?
Can I buy an investment property as a non-citizen or PR?
How does the mortgage process work for overseas buyers?
Are there tax implications as a non-resident?
Do I need to talk to a mortgage broker or adviser?
Can I get a mortgage in New Zealand as an overseas buyer?
Which visas are eligible for a home loan in NZ?
How much deposit do I need as an international buyer?
Can I use overseas income to apply?
What documents do I need to apply?
Can I buy an investment property as a non-citizen or PR?
How does the mortgage process work for overseas buyers?
Are there tax implications as a non-resident?
Do I need to talk to a mortgage broker or adviser?
The Application Process
We make the application process simple, supporting you across each step
01
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.
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 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 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.
02
03
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.
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.
Our Team
Meet the team helping you secure the right lending for your goals
Contact us
Ready to start your New Zealand mortgage journey
