Self-Employed Overseas Mortgage

Self employed with overseas income? Securing a New Zealand mortgage can be challenging.

Many lenders have limited appetite for these applications, but our specialist expertise and banking relationships help open doors. We know how to structure complex applications and secure main bank lending whenever possible.

Borrowing Options

Contact

We help structure self-employed overseas applications in a way that aligns with current lending criteria.

This page is designed for those earning income overseas through their own business or contracting structure.

Self-employed Kiwis living overseas

Contractors working internationally

Business owners earning income outside NZ

Freelancers with foreign clients or income streams

Expats planning to purchase property in New Zealand
When you’re self-employed overseas, lenders need to understand both your income and how it’s generated. This includes reviewing financials, business stability, and how consistent your earnings are over time.

Compared to standard employment, there’s typically more analysis involved - which makes how your application is prepared especially important.
Self-employed overseas applications are often more detailed, with a few additional factors lenders take into account.

Income can vary year to year

Financials may need to be translated or standardised

Currency and tax structures can impact assessment

Some lenders have stricter criteria for self-employed applicants

More documentation is typically required
Review your business income and financial structure

Identify lenders suited to self-employed overseas applicants

Present your income clearly and in line with NZ lending expectations

Help prepare required financial documentation upfront

Manage the process through to approval
Lenders generally look at your income over a period of time, often averaging earnings across one or two years. They’ll also consider the stability of your business, the industry you operate in, and how consistent your income has been.

When that income is earned overseas, additional considerations come into play, such as currency, tax treatment, and how easily your financials can be verified.

Because each lender approaches this slightly differently, choosing the right one early can make a significant difference.
Review your business structure and financials

Assess how your income will be treated by lenders

Identify suitable lending options

Prepare and structure your application

Submit for pre-approval and support through to purchase
Self-employed applications often involve more detailed financials, which means having the right support around you matters.

Accountants familiar with international income structures

Solicitors experienced in offshore property purchases

Property professionals where needed

Clear coordination across all parties
While we work with clients around the world, we’re based here in New Zealand and understand how local lenders assess self-employed overseas applications.

Having someone on the ground can make the process easier to navigate.

Why work with Moa Mortgages

Self-employed overseas applications require a more considered approach. We focus on presenting your financial position clearly and aligning it with lender expectations from the outset.

Experience working with complex income structures across different countries.

Self-Employed Expertise

Clear understanding of how foreign income is assessed by NZ lenders.

Overseas Income Specialists

We work alongside trusted professionals to keep everything moving.

Coordinated Support Network

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