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Buying investment property in New Zealand can be a lucrative and rewarding venture. With its stunning natural beauty, booming tourism industry, and growing economy, this little slice of paradise offers ample opportunities for investors.

Whether you’re a local or a foreigner looking to diversify your portfolio, the New Zealand property market has plenty to offer. One of the key advantages of investing in New Zealand is its stable housing market.

Despite occasional fluctuations, the demand for housing remains high, making it a relatively safe long-term investment. Additionally, areas like Queenstown and Wanaka have seen significant growth in recent years due to their popularity as tourist destinations.

This presents excellent potential for capital appreciation as well as rental income. For non-residents looking to invest in New Zealand, it’s important to consider the legalities and regulations surrounding foreign ownership.

Working with reputable real estate agents and financial institutions like Custom Mortgages can help navigate through these complexities smoothly. They can provide expert advice on financing options, taxation obligations, and other considerations specific to international buyers.

Overall, buying property in New Zealand offers not only financial gains but also an opportunity to own a piece of this enchanting country. Whether you’re drawn by the picturesque landscapes of Cromwell or the bustling city life of Auckland, there’s something for everyone here.

Key Takeaways:

  • Research is crucial before buying investment property in New Zealand, as the real estate market varies by region.
  • Custom Mortgages provide repayment options for investors.
  • Foreigners must adhere to specific rules and regulations when buying property in New Zealand.
  • Stay informed and seek professional advice to make the most of your investment property venture in New Zealand.

Buying Investment Property in New Zealand

When it comes to buying investment property in New Zealand, there are plenty of options to consider. Whether you’re a local resident or a foreign investor, the country offers a wealth of opportunities for those looking to expand their real estate portfolio. One area worth exploring is Cromwell, a charming town located in the heart of Central Otago.

Known for its stunning landscapes and thriving wine industry, Cromwell has become an increasingly popular choice for property investment. With its strategic location between Queenstown and Wanaka, Cromwell offers the best of both worlds – tranquil surroundings and easy access to bustling tourist hotspots.

This makes it an attractive destination for both long-term rentals and holiday homes. For those seeking more dynamic prospects, Queenstown is an undeniable gem.

Situated on the shores of Lake Wakatipu, this vibrant alpine resort town offers a thriving tourism industry that attracts millions of visitors each year. Its picturesque scenery, adrenaline-fueled activities, and world-class ski resorts make Queenstown a sought-after destination for both local and international investors.

However, it’s important to note that due to high demand and limited supply, property prices in Queenstown can be on the higher side compared to other regions. If you prefer a more laid-back atmosphere with breathtaking natural beauty, Wanaka might be just what you’re looking for.

Nestled beside Lake Wanaka and surrounded by majestic mountains, this tranquil town is known for its outdoor recreational activities such as hiking, skiing, and fishing. The town’s growth over recent years has made it an appealing prospect for property investment.

With its relaxed lifestyle and increasing popularity among tourists seeking an alternative to Queenstown‘s hustle and bustle, buying property in Wanaka can offer significant potential returns. Navigating the process of buying investment property in New Zealand may seem daunting at first glance; however, with the right guidance from experts like Custom Mortgages who specialize in financing solutions for non-resident and foreign investors, it can be a smooth process.

They can assist you in understanding the mortgage options available to you and guide you through the various legal requirements associated with investing in New Zealand property. Buying investment property in New Zealand presents a diverse range of opportunities for both local and international investors.

Whether you’re drawn to the charm of Cromwell, the excitement of Queenstown, or the serenity of Wanaka, each region offers its unique appeal. By leveraging professional assistance from experts like Custom Mortgages, you can navigate the intricacies of investment financing and legal requirements with ease.

So why wait? Start exploring your options and pave your way towards a successful investment journey in New Zealand’s lucrative real estate market.

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Foreigners Buying Investment Property in NZ

Foreigners Buying Investment Property in New Zealand When it comes to buying investment property in New Zealand, you might be wondering if as a foreigner, you are even allowed to dive into the Kiwi real estate market.

Well, the good news is that yes, you can… if you’re from Australia or Singapore!

However, there are a few things to keep in mind and some regulations that need to be followed. One important thing to note is that as a non-resident foreigner, you are restricted from buying existing residential properties for personal use or as rental investments.

These restrictions were put in place by the New Zealand government in order to prioritize housing availability for locals. But fear not!

There are still plenty of options available for foreigners who want to invest in property here. You can still buy new or off-plan properties without any restrictions.

Additionally, commercial properties and vacant land are also open for purchase by foreigners. So whether you’re looking for a commercial space in vibrant Queenstown or a slice of beautiful vacant land near Wanaka or Cromwell, there’s something out there for everyone!

Now, let’s talk about financing your investment. If you’re not lucky enough to have piles of cash lying around, getting a mortgage could be the way to go.

Luckily, many banks and financial institutions offer custom mortgages specifically designed for foreigners investing in New Zealand property. These mortgages usually come with slightly higher interest rates compared to those offered to residents but can still provide an accessible pathway into the market.

It’s important to do your research and shop around for the best mortgage deals tailored towards non-resident buyers before making any commitments. So whether you’re dreaming of owning a vineyard in Marlborough or a rental property overlooking Lake Tekapo, don’t let being a foreigner discourage you from exploring the opportunities of buying investment property in New Zealand – there’s plenty of potential waiting just for you!

Buying Investment Property in New Zealand

Buying Investment Property in NZ as Non-Resident

The process of buying investment property in New Zealand may seem daunting at first. However, with the right guidance and understanding of the requirements, it is definitely possible to become a proud property owner in this stunning country.

One important aspect to consider when buying property as a non-resident is obtaining finance. In New Zealand, there are several options available for non-residents looking for home loans or mortgages.

Custom Mortgages, for instance, is a reputable company that specializes in assisting foreigners in securing financing for their investment properties. They have extensive knowledge and experience in navigating the complexities of lending to non-residents and can provide you with tailored solutions to suit your specific needs.

Whether you’re eyeing a charming villa in Queenstown or a picturesque lakeside cottage in Wanaka, having access to reliable mortgage advisors like Custom Mortgages can greatly simplify the process. Another crucial consideration is understanding New Zealand’s regulations regarding foreign ownership of properties.

Non-residents from Australia and Singapore are generally allowed to buy residential land without any special permissions if they meet certain criteria set by the Overseas Investment Office (OIO). However, it’s important to note that restrictions may apply when it comes to purchasing sensitive land or properties classified as “sensitive assets.” The OIO has guidelines and criteria that must be followed during the application process for such purchases.

It would be wise to consult with legal professionals who specialize in buying property in New Zealand as a non-resident to ensure compliance with all necessary rules and regulations. While there may be some additional steps and considerations involved for non-residents buying investment property in New Zealand, it should not deter you from pursuing this opportunity.

With expert help from companies like Custom Mortgages and proper adherence to local regulations outlined by the Overseas Investment Office, owning your dream property amidst the breathtaking landscapes of Queenstown or Wanaka is within reach. So go ahead and embark on this exciting journey of becoming a proud property owner in New Zealand, immersing yourself in the beauty and charm that places like Cromwell have to offer.

Why work with us

We are owner operated and not aligned with any lenders

We work with you to customise your loan so it best matches your goals, and to save you time and money.


We have extensive experience

We all have over 10 years’ experience in banking and we understand the industry. We specialise in both residential and commercial financial advice.


We build relationships

We pride ourselves on building relationships with our customers and with our lenders to provide a more customised and personal experience.


Why work with us

We are owner-operated and are not aligned with any lenders


We have extensive experience in residential and commercial finance


We build relationships to provide a more customised and personal experience


Some of the banks & lenders we work with:

Custom Mortgages Lending Partners

Correct as of April 2024

Financing we can help with

First home buyers

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Investment property

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Building a home

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Refinancing your mortgage

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Loan refixes & rollovers

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International Buyers

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Bridging finance

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Equity release

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Business loans

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Commercial property loans

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Property development funding

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Car & Equipment Financing

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