NZ Mortgage Specialists for Expats & Overseas Income Earners
We help New Zealanders and expats living overseas secure home and investment property finance in New Zealand - specialising in complex income, non-resident applications, and offshore lending.
NZ Mortgages for Expats & Overseas Buyers
We work with New Zealanders and international buyers living overseas, helping them navigate lending requirements, structure their applications, and secure property in NZ.
✔ Kiwis living and working overseas
✔ Expats planning to return to New Zealand
✔ Buyers earning income in foreign currencies
✔ Investors purchasing property in NZ from abroad
NZ mortgages with overseas income
We work with a wide range of international income types and understand how to present them in line with New Zealand lending requirements
Self-employed expat borrowers
Overseas self-employed income can be complex. We help structure your financials in a way lenders can clearly assess.
Investment property purchases in NZ
Whether you’re building a portfolio or buying your first investment, we help align your lending with your long-term goals.
Buying before moving back to NZ
Secure a property while still overseas, using your current income before transitioning back to New Zealand
Non-resident lending applications
We guide you through the additional requirements and restrictions that come with non-resident borrowing in NZ.
Bank and non-bank lending solutions
We assess options across both bank and non-bank lenders to find a structure that suits your situation.
NZ Mortgages for Expats by Location
We help New Zealanders and overseas buyers secure property finance from a range of countries. Select your location to see how lending works based on your income and where you’re living.
Australians buying property in NZ
Using Australian income, PAYG or self-employed, to secure lending for NZ property.
NZ home loans for UK-based expats
We help UK earners navigate currency conversion, lending criteria, and NZ bank requirements.
NZ mortgages for high-income expats in the UAE
Specialist support for complex income structures, tax-free earnings, and international lending.
NZ property finance for professionals in Singapore
Structuring applications using overseas income to meet NZ lending criteria.
NZ mortgages for US-based income earners
Navigating US income structures, tax considerations, and NZ lending requirements.
NZ mortgages for Kiwis living in Canada
Helping Canadian-based income earners structure applications that meet NZ lending criteria.
NZ mortgages for expats across Europe
Supporting income from across the EU with tailored lending strategies for NZ property purchases.
Buying in NZ before you move home
Secure a property in NZ while still overseas, using your current income before returning.
MoaMortgages got us into our first home and we are so grateful. The service received was honest, reliable and very customised to us. Would highly recommend Asher and MoaMoney for your mortgage and other financial advice.
John Hardley
First Home Buyer
I'm a expat Kiwi living in Mexico. No banks want to loan directly with anyone living outside of NZ. This is the same with most mortgage brokers. I was very happy to find MoaMortgages who filled this specific need.
Dave Gillies
International Home Buyer
MoaMortgages was invaluable at guiding us through the process of buying our first home.
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Asher was extremely thorough and professional, and we always felt that we were in good hands.
Amber Beech
First Home Buyer
Testimonials
See why clients love MoaMortgages
