NZ Mortgage Specialist for Expats & Overseas Income Earners
We help New Zealanders living overseas and other eligible clients 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.
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
Why Work With a Specialist in Offshore Lending
We know how lenders assess overseas income and structure applications accordingly.
Deep understanding of NZ lending policy
From self-employed to multi-currency income, we handle situations that don’t always fit standard criteria.
Experience with complex income scenarios
We work across both bank and non-bank lenders to find the right fit.
Access to a range of lending options
Moa Mortgages main focus is on helping expats and international buyers with property in New Zealand
Focused on overseas and expat clients
Testimonials
See why clients trust Moa Mortgages
Moa Mortgages arranged financing for us when conventional NZ banks, like ANZ, decided to not qualify offshore income for home loans even though I had had a mortgage with them for 18 years. He organised an alternative financial source and guided us through the process from beginning to end.
Timothy Toye
International Home Buyer
I left my job in New Zealand for the Middle East. For over 7 years, I was unaware that it was possible to get a mortgage in New Zealand with my income from the Middle East until I spoke to Asher. Asher helped me navigate the intricacies of offshore lending.
Ernest Gyapong
International Home Buyer
Moa Mortgages demonstrated exceptional dedication in securing our overseas mortgage approval. Navigating the process of purchasing a home in New Zealand while living abroad was significantly simplified thanks to his expertise.
Sallie McMann
International Home Buyer
