Secure lending on New Zealand property from Singapore

Whether you're investing or relocating, we help Singapore-based buyers secure NZ mortgage approvals—fast and without the friction.

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Why choose us

Over 20 years helping Singapore residents invest in New Zealand property

With New Zealand Mortgages

NZ Mortgage Experts

We understand the rules, income structuring, and documentation Singapore-based clients need to succeed with NZ lenders.

NZ Mortgage Experts

We understand the rules, income structuring, and documentation Singapore-based clients need to succeed with NZ lenders.

Fast, Honest Guidance

We’ll tell you exactly where you stand—fast. No vague advice or waiting weeks to hear back. Just clear next steps from day one.

Fast, Honesty and Clarity

We’ll tell you exactly where you stand—fast. No vague advice or waiting weeks to hear back. Just clear next steps from day one.

Fast, Honest Guidance

We’ll tell you exactly where you stand—fast. No vague advice or waiting weeks to hear back. Just clear next steps from day one.

We Work With Your Currency & Timing

Whether you're paid in SGD, USD, or something more complex—we know how NZ banks assess it, and how to present it properly.

We Work With Your Currency & Timing

Whether you're paid in SGD, USD, or something more complex—we know how NZ banks assess it, and how to present it properly.

Other mortgage brokers

Most don’t specialize in offshore buyers

They’re focused on local Kiwi deals—and it shows. We primarily work with overseas buyers and expats acquiring property in NZ.

Most don’t specialize in offshore buyers

They’re focused on local Kiwi deals—and it shows. We primarily work with overseas buyers and expats acquiring property in NZ.

They tell you what’s possible

We tell you what’s smart and don’t push approvals that lead to problems later. We help you structure your application to win with the right lender.

They tell you what’s possible

We tell you what’s smart and don’t push approvals that lead to problems later. We help you structure your application to win with the right lender.

They wait for the banks

We pre-empt the banks. We know which lenders accept your income, visa, and deposit before you waste weeks applying.

They wait for the banks

We pre-empt the banks. We know which lenders accept your income, visa, and deposit before you waste weeks applying.

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

“I really valued Tama’s skills and energy as my mortgage advisor. He guided me through every obstacle with expertise and positivity, which kept me motivated throughout the house buying process.”

Stacey, Singapore

Important to know

How New Zealand property buying and lending differs from the UK

No ABSD or Stamp Duty
NZ doesn’t charge stamp duties or extra taxes for foreigners—but you may not be allowed to buy.
Manual Lending, Tougher Income Tests
Expect more paperwork. NZ banks don’t love overseas income and may discount it heavily.
Landed Homes Off Limits
Just like Singapore, NZ restricts foreign buyers. New builds are your best bet.
Shorter Loan Terms, Frequent Refixing
Fixed rates last 1–2 years. Renewing your rate is part of the norm.
Simple Tax System, No CGT
There’s no wealth tax or CGT—but the Bright-line rule taxes profits if you sell early.
No ABSD or Stamp Duty
NZ doesn’t charge stamp duties or extra taxes for foreigners—but you may not be allowed to buy.
Manual Lending, Tougher Income Tests
Expect more paperwork. NZ banks don’t love overseas income and may discount it heavily.
Landed Homes Off Limits
Just like Singapore, NZ restricts foreign buyers. New builds are your best bet.
Shorter Loan Terms, Frequent Refixing
Fixed rates last 1–2 years. Renewing your rate is part of the norm.
Simple Tax System, No CGT
There’s no wealth tax or CGT—but the Bright-line rule taxes profits if you sell early.
No ABSD or Stamp Duty
NZ doesn’t charge stamp duties or extra taxes for foreigners—but you may not be allowed to buy.
Manual Lending, Tougher Income Tests
Expect more paperwork. NZ banks don’t love overseas income and may discount it heavily.
Landed Homes Off Limits
Just like Singapore, NZ restricts foreign buyers. New builds are your best bet.
Shorter Loan Terms, Frequent Refixing
Fixed rates last 1–2 years. Renewing your rate is part of the norm.
Simple Tax System, No CGT
There’s no wealth tax or CGT—but the Bright-line rule taxes profits if you sell early.
No ABSD or Stamp Duty
NZ doesn’t charge stamp duties or extra taxes for foreigners—but you may not be allowed to buy.
Manual Lending, Tougher Income Tests
Expect more paperwork. NZ banks don’t love overseas income and may discount it heavily.
Landed Homes Off Limits
Just like Singapore, NZ restricts foreign buyers. New builds are your best bet.
Shorter Loan Terms, Frequent Refixing
Fixed rates last 1–2 years. Renewing your rate is part of the norm.
Simple Tax System, No CGT
There’s no wealth tax or CGT—but the Bright-line rule taxes profits if you sell early.

Read our Singapore 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 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 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