Secure home lending on New Zealand property while living in the UK

We help UK-based buyers secure NZ mortgages—fast, clear, and with zero stress.

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Why choose us

Over 20 years helping UK residents invest in New Zealand property

With New Zealand Mortgages

NZ Mortgage Experts

We know how to navigate the NZ lending landscape for UK-based buyers. Whether you're investing, relocating, or returning home—we’ll guide you from start to finish.

NZ Mortgage Experts

We know how to navigate the NZ lending landscape for UK-based buyers. Whether you're investing, relocating, or returning home—we’ll guide you from start to finish.

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.

Offshore Buyers, Onshore Know-How

NZ banks treat UK income differently. We know how to present your case properly—so you're not just “eligible,” you’re approved.

Offshore Buyers, Onshore Know-How

NZ banks treat UK income differently. We know how to present your case properly—so you're not just “eligible,” you’re approved.

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

"The team helped me get a mortgage in NZ while I was still working in London. Everything was clear and handled remotely—couldn’t have done it without them."

Lynn and Mike, London

Important to know

How New Zealand property buying and lending differs from the UK

Short Fixed Rates
NZ’s fixed terms are usually 1–2 years—not 5–25 like the UK. Refixing is normal here.
No CGT—but Watch the Bright-line
Sell within 2 years and you may face tax. NZ calls it the Bright-line rule—not CGT, but similar.
No Stamp Duty
There’s no SDLT-style tax in NZ. What you see is often what you pay.
Foreign Buyer Rules Apply
Unless you’re a citizen or permanent resident, you generally can’t buy existing homes.
Faster Settlement, More DIY
Once your offer’s accepted, the deal’s binding. Due diligence happens before, not after.
Short Fixed Rates
NZ’s fixed terms are usually 1–2 years—not 5–25 like the UK. Refixing is normal here.
No CGT—but Watch the Bright-line
Sell within 2 years and you may face tax. NZ calls it the Bright-line rule—not CGT, but similar.
No Stamp Duty
There’s no SDLT-style tax in NZ. What you see is often what you pay.
Foreign Buyer Rules Apply
Unless you’re a citizen or permanent resident, you generally can’t buy existing homes.
Faster Settlement, More DIY
Once your offer’s accepted, the deal’s binding. Due diligence happens before, not after.
Short Fixed Rates
NZ’s fixed terms are usually 1–2 years—not 5–25 like the UK. Refixing is normal here.
No CGT—but Watch the Bright-line
Sell within 2 years and you may face tax. NZ calls it the Bright-line rule—not CGT, but similar.
No Stamp Duty
There’s no SDLT-style tax in NZ. What you see is often what you pay.
Foreign Buyer Rules Apply
Unless you’re a citizen or permanent resident, you generally can’t buy existing homes.
Faster Settlement, More DIY
Once your offer’s accepted, the deal’s binding. Due diligence happens before, not after.
Short Fixed Rates
NZ’s fixed terms are usually 1–2 years—not 5–25 like the UK. Refixing is normal here.
No CGT—but Watch the Bright-line
Sell within 2 years and you may face tax. NZ calls it the Bright-line rule—not CGT, but similar.
No Stamp Duty
There’s no SDLT-style tax in NZ. What you see is often what you pay.
Foreign Buyer Rules Apply
Unless you’re a citizen or permanent resident, you generally can’t buy existing homes.
Faster Settlement, More DIY
Once your offer’s accepted, the deal’s binding. Due diligence happens before, not after.

Read our UK 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