New to New Zealand

New to NZ?
We Make Home Ownership Simple.

Navigating the NZ mortgage system as a new resident or migrant can feel overwhelming. Jagdip came from Punjab and built her career in NZ finance — she speaks Punjabi, Hindi and English and helps newcomers buy homes every week.

English, Punjabi and Hindi spoken
NZ permanent residents — full lending access
Some work visa holders also qualify

Quick facts

3
Languages — English, Punjabi, Hindi
NZ PR
Permanent residents access all standard lending
20+
Lenders — some welcome new residents
$0
Cost to you for Jagdip's advice

Every new resident situation covered

NZ citizens & permanent residents

Full access to all NZ mortgage products. Jagdip compares 20+ lenders to find the best rate and structure for your situation.

Residents on work visas

Some work visa holders qualify for lending from select NZ lenders. Jagdip knows which lenders accept various visa types.

Punjabi & Hindi speakers

Explaining a mortgage in your first language makes everything clearer. Jagdip is fully fluent in Punjabi and Hindi and serves the South Asian community across NZ.

Foreign income assessment

Earning income from overseas or recently transitioned to NZ employment? Jagdip knows how lenders assess transitional income scenarios.

New migrants & arrivals

Recently arrived? Jagdip helps new migrants understand the NZ property buying process from start to finish — in plain language, in your language.

Declined by a bank

Been turned down due to visa type or short NZ employment? Jagdip has specialist lender options who take a broader view.

Who can get a mortgage in NZ?

Mortgage eligibility by residency status — NZ 2026

Residency status
Can they get a mortgage?
Notes
NZ Citizen
✓ Yes — full access
All lenders and products
NZ Permanent Resident
✓ Yes — full access
Same as citizen for most lenders
Australian Citizen / PR
✓ Yes — most lenders
Near-equivalent to NZ resident
Work visa (certain types)
Yes — select lenders
Depends on visa type and remaining duration
Student / visitor visa
Generally no
Very limited options — chat with Jagdip

🌏 The NZ South Asian community trusts Jagdip

Jagdip has helped many New Zealanders from Indian, Punjabi and South Asian backgrounds navigate the home buying process. She understands the cultural context, the family dynamics around property decisions, and the specific challenges new arrivals face — and she speaks your language.

New to NZ FAQs

Can I get a mortgage in NZ on a work visa?

Some NZ lenders do lend to work visa holders, depending on the visa type, duration remaining, and employment stability. Jagdip will assess your specific visa and employment situation in a free chat.

Do I need to be a NZ citizen to buy a home here?

No — NZ permanent residents have the same lending access as citizens. Australian citizens and permanent residents also have near-equivalent access. Some work visa holders can also qualify.

How does Jagdip help migrants specifically?

Jagdip grew up in Punjab and has spent her career in NZ finance. She explains everything clearly in English, Punjabi or Hindi, and advocates for your application with the most suitable lenders.

I've only been working in NZ for 6 months — can I get a mortgage?

It depends on your situation. Some lenders require 3–6 months NZ employment, others want 12 months. Your income level, deposit size, residency status and visa type all factor in. Jagdip gives you an honest picture of what's possible right now.

Is Jagdip's advice free?

Yes — completely free. Jagdip is paid by the lender on settlement. See her Disclosure Statement.

Related services

Let's talk — in your language

Book a free chat with Jagdip. English, Punjabi or Hindi — whatever works best for you.

📞 Call NowBook Free Chat
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