Invercargill
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All about Invercargill
Invercargill (/ˌɪnvərˈkɑːrɡɪl/ IN-vər-KAR-ghil, Māori: Waihōpai) is the southernmost and westernmost city in New Zealand, and one of the southernmost cities in the world. It is the commercial centre of the Southland region. The city lies in the heart of the wide expanse of the Southland Plains on the Oreti or New Riversome 18 km north of Bluff, which is the southernmost town in the South Island. It sits amid rich farmland that is bordered by large areas of conservation land and marine reserves, including Fiordland National Park covering the south-west corner of the South Island and the Catlins coastal region.
Many streets in the city, especially in the centre and main shopping district, are named after rivers in Great Britain, mainly Scotland. These include the main streets Dee and Tay, as well as those named after the Tweed, Forth, Tyne, Esk, Don, Ness, Yarrow, Spey and Eye rivers.
The 2018 census showed the population was 54,204, up 2.7% on the 2006 census number and up 4.8% on the 2013 census number.
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History of Invercargill
Southland was a scene of early extended contact between Europeans and Māori, notably whalers and missionaries – Wohlers at Ruapuke. In 1853, Walter Mantell purchased Murihiku from local Māori iwi, claiming the land for European settlement. Otago, of which Southland was itself part, was the subject of planned settlement by the Free Church of Scotland, an offshoot of the Church of Scotland. Settlement broadened with the discovery of gold in Central Otago in the 1860s. Traces of Scottish speech persist in Southland voices, with R often pronounced with a rolling burr. This is more noticeable among country people.
In 1856, a petition was put forward to Thomas Gore Browne, the Governor of New Zealand, for a port at Bluff. Due to the Otago gold rush, the region’s population grew during the 1860s with the settlement of Bluff. Browne agreed to the petition and gave the name Invercargill to the settlement north of the port. Inver comes from the Scottish Gaelic word inbhir meaning a river’s mouth and Cargill is in honour of Captain William Cargill, who was at the time the Superintendent of Otago, of which Southland was then a part. The settlement’s chief surveyor was John Turnbull Thomson, a British civil engineer.
Under the influence of James Menzies, Southland Province (a small part of the present Region, centred on Invercargill) seceded from Otago in 1861 following the escalation of political tensions. However, rising debt forced Southland to rejoin Otago in 1870 and the provincial system, and with it the province of Otago, was abolished entirely in 1876. This debt was caused by a population decline stemming from poor returns from pastoral farming. In 1874, Invercargill’s population was less than 2,500 which reflected the drift north to large centres. In the 1880s, the development of an export industry based on butter and cheese encouraged the growth of dairy farming in Southland.
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More History of Invercargill
On 6 August 1884 a group of women gathered together in the Don Street Primitive Methodist Church to form a local branch of the Woman’s Christian Temperance Union. Eliza Ann Brown, wife of Charles W. Brown (who that same year co-founded the local Independent Order of Rechabites), led the group to establish eight main objectives which included gathering signatures for a petition for women’s suffrage. This was the first all-women’s organization established in New Zealand. After affiliating with the new national organisation, the Women’s Christian Temperance Union of New Zealand, under the guidance of world missionary Mary C. Leavitt, Roberta Annie Hinton, wife of the new Baptist minister, led the new club as it worked to strengthen the temperance movement in the area and support the needs of women and children across the nation. By 1897 a founding member of this first branch of the WCTU Invercargill, Mrs. Elizabeth Stephen Baird, led the establishment of the Victoria Home for Friendless Girls.
In December 1905, Invercargill voted in local prohibition of alcohol sales. This lasted for 40 years until voted out by returning servicemen in the Second World War. Drinking continued meanwhile, thanks to hotels and liquor merchants in outlying districts, huge volumes of beer, often in kegs, brought to private homes, or sold by the glass by keggers at hiding spots round the City. When prohibition ended, a committee of citizens persuaded the Government to give the monopoly on liquor sales in Invercargill to the specially formed Invercargill Licensing Trust. Based on a scheme in Carlisle, England, it returns profits to city amenities. Even today, alcohol is not sold in supermarkets.
Publicity has been brought to the city by the election of Tim Shadbolt, a colourful and outspoken former student activist and former mayor of Waitemata City, as mayor. He once appeared on a cheese advertisement stating “I don’t mind where, as long as I’m Mayor”. His supporters like the colour he brings to the city. His opponents refer to his controversial mayoral career in the Auckland suburbs and to his attitude to veterans during his opposition to the Vietnam War. Publicity and students have also come to the city by the Southern Institute of Technology‘s “Zero Fees” scheme, which allows New Zealand citizens and permanent residents to study while only paying for material costs of their study, and not tuition fees.
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Geography of Invercargill
Invercargill is the southernmost city in the Commonwealth of Nations. Invercargill is situated on the fertile and alluvial Southland Plains, which is amongst some of New Zealand’s most fertile farmland. Southern Invercargill lies on the shore of the New River Estuary, while the northern parts lie on the banks of the Waihopai River. 10 kilometres west of the city centre lies Oreti Beach, a long expanse of sand stretching from the Sandy Point area to nearby Riverton.
Invercargill has a temperate oceanic climate. The mean daily temperature ranges from 5.2 °C (41.4 °F) in July to 14 °C (57 °F) in January. The yearly mean temperature is 9.8 °C (49.6 °F). Rainfall averages 1,112 millimetres (43.8 in) annually, and measurable snowfall is occasionally seen during the winter months of June to September. It is the cloudiest city in New Zealand with only 1,680 hours of sunshine per annum. Despite its cloudiness, and a relatively high frequency of rainy days, Invercargill receives less rain than either Auckland or Wellington. Invercargill is also New Zealand’s second windiest city, after Wellington.
The average temperature high ranges from 18.7 °C (65.7 °F) in January to 9.5 °C (49.1 °F) in July, but temperatures do occasionally exceed 25 °C (77 °F) in summer. Invercargill’s hottest temperature on record was 33.8 °C (92.8 °F), recorded on 2 January 1948. Extended periods of heat are rare, however January 2018 was notable for the city recording three consecutive days above 30 for the first time in its recorded history, peaking with the city’s second highest temperature on record of 32.3 °C (90.1 °F) on 14 January 2018. Owing to its relatively high latitude (46° 42′), the city enjoys nearly 16 hours of daylight at the summer solstice in late December, with astronomical night lasting as little as 2.5 hours. Conversely, the city receives only around 8.5 hours of daylight at the winter solstice in late June.
Invercargill is the “City of Water and Light”. The “light” refers to the long summer twilights and the aurora australis (southern lights). The “water” reference, humorists suggest, comes from notorious horizontal, driving rain in high wind at the corner of the two main streets, Dee and Tay. A recent sign also states “Invercargill, where dreams can come true” with an image from the 2005 film The World’s Fastest Indian.
In September 2010, Invercargill’s heaviest snowfall in living memory heralded a run of unseasonably cold weather. A few buildings were damaged, notably Stadium Southland, the roof of which collapsed under the weight of the snow; and a decorating store. Many other stores were shut, and Invercargill Airport was closed for a day.
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Demographics of Invercargill
The Invercargill City territorial authority has a population of 57,000 as of June 2021. This comprises 49,900 people in the Invercargill urban area, 1,840 people in the Bluff urban area, and 5,260 people in the surrounding settlements and rural area.
The Invercargill City territorial authority had a population of 54,204 at the 2018 New Zealand census, an increase of 2,508 people (4.9%) since the 2013 census, and an increase of 3,879 people (7.7%) since the 2006 census. There were 21,585 households. There were 26,517 males and 27,687 females, giving a sex ratio of 0.96 males per female. Of the total population, 10,560 people (19.5%) were aged up to 15 years, 10,053 (18.5%) were 15 to 29, 24,249 (44.7%) were 30 to 64, and 9,345 (17.2%) were 65 or older. Figures may not add up to the total due to rounding.
Ethnicities were 85.0% European/Pākehā, 17.4% Māori, 3.8% Pacific peoples, 5.7% Asian, and 2.0% other ethnicities. People may identify with more than one ethnicity.
The percentage of people born overseas was 12.2, compared with 27.1% nationally.
Although some people objected to giving their religion, 51.0% had no religion, 37.5% were Christian, and 3.9% had other religions.
Of those at least 15 years old, 6,633 (15.2%) people had a bachelor or higher degree, and 11,145 (25.5%) people had no formal qualifications. The median income was $29,900. The employment status of those at least 15 was that 21,885 (50.1%) people were employed full-time, 6,561 (15.0%) were part-time, and 1,650 (3.8%) were unemployed.
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We are owner operated and not aligned with any lenders
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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.
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We build relationships
We pride ourselves on building relationships with our customers and with our lenders to provide a more customised and personal experience.
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Why work with us
We are owner-operated and are not aligned with any lenders
01
We have extensive experience in residential and commercial finance
02
We build relationships to provide a more customised and personal experience
03
Banks & lenders we work with:
Correct as of April 2024
Custom Mortgages
Custom Mortgages is run by a group of mates – all bankers and each with many years experience in the industry. The team understands and knows the commercial, mortgage, and housing landscapes. With this experience, they can help you find a tailored, custom solution.
No two purchases, projects or businesses are the same, so why should your financing arrangements be?

Custom Mortgages
Custom Mortgages is run by a group of mates – all bankers and each with many years experience in the industry. The team understands and knows the commercial, mortgage, and housing landscapes. With this experience, they can help you find a tailored, custom solution.
No two purchases, projects or businesses are the same, so why should your financing arrangements be?
