Skip to main content

Wellington

New Zealand Mortgage Loans

Mortgage Home Loan

How the process works

1

First Chat

We get to know you, and ensure you know what we do and how we do it. We’ll talk about what you are trying to do, your goals and ambitions.
2

Understand your Situation

We gather information from you including personal details, income and assets and other financial information.
3

Research

We research the market to ensure we find the best option for you.
4

Lodge your Application

We work with you and the lender, and do the legwork to get you approved.
5

Approval and Recommendation

We customise the loan structure and discuss interest rate options.
6

Settlement Process

We work with you, your lawyer and the lender to ensure a smooth settlement process.
7

Keep in Touch

We keep in regular contact to check in and review any changes to your situation.

Interested in moving to Wellington?

All about Wellington

Wellington is the capital city of New Zealand. It is located at the south-western tip of the North Island, between Cook Strait and the Remutaka Range. Wellington is the major population centre of the southern North Island, and is the administrative centre of the Wellington Region, which also includes the Kapiti Coast and the Wairarapa. It is the world’s southernmost capital of a sovereign state. Wellington features a temperate maritime climate, and is the world’s windiest city by average wind speed.

Wellington was originally designed by Captain William Mein Smith the first Surveyor General for Edward Wakefield‘s New Zealand Company in 1840. The city has served as New Zealand’s capital since 1865, a position that is not defined in legislation, but established by convention. The New Zealand Governmentand Parliament, the Supreme Court, and most of the public service are based in the city. Its metropolitan area comprises four local authorities: Wellington City, on the peninsula between Cook Strait and Wellington Harbour, contains the central business district; Porirua City on Porirua Harbour to the north is notable for its large Māori and Pacific Island communities; Lower Hutt City and Upper Hutt City are largely suburban areas to the northeast, together known as the Hutt Valley. These four cities are considered large parts of Wellington, but are governed separately. The Wellington urban area, which only includes urbanised areas within Wellington City, has a population of 215,900 residents as of June 2021. The urban areas of the four local authorities have a combined population of 432,800 residents as of June 2021.

As well as governmental institutions, Wellington is home to several of the largest and oldest cultural institutions in the nation, such as the National Archives, the National Library, New Zealand’s national museum Te Papa and numerous theatres. It plays host to many artistic and cultural organisations, including the New Zealand Symphony Orchestra and Royal New Zealand Ballet. Architectural sights include the Old Government Buildings – one of the largest wooden buildings in the world – as well as the iconic Beehive, the executive wing of Parliament Buildings. The city has a strong art scene, with hundreds of art galleries. Most of these are small and independent, but the four major ones are Te Papa, City Gallery Wellington, Pātaka and the Dowse. Wellington also leads in large summer festivals, such as CubaDupa and the Newtown Festival.

Wellington’s economy is primarily service-based, with an emphasis on finance, business services, and government. It is the centre of New Zealand’s film and special effects industries, and increasingly a hub for information technology and innovation, with two public research universities. Wellington is one of New Zealand’s chief seaports and serves both domestic and international shipping. The city is served by Wellington International Airport, the third busiest airport in the country. Wellington’s transport network includes train and bus lines which reach as far as the Kapiti Coast and the Wairarapa, and ferries connect the city to the South Island.

The culture of Wellington is a diverse and often youth-driven one which has yielded influence across Oceania. One of the world’s most liveable cities, the 2016 Mercer Quality of Living Survey ranked Wellington 12th in the world, and was first in the world for both liveability and non-pollution by Deutsche Bank, from 2017 to 2018. Cultural precincts such as Cuba Street and Newtown are renowned for creative innovation, “op shops“, historic character, and food. The city is known for its coffee scene, with now-globally common foods and drinks such as the flat white perfected here. Coffee culture in Wellington is vastly overrepresented – the city has more cafés per capita than New York City in the United States – and was pioneered by Italian and Greek immigrants to areas such as Mount Victoria, Island Bay and Miramar. Nascent influence is derived from Ethiopian migrants.

Wellington’s cultural vibrance and diversity is well-known across the world. It is New Zealand’s 2nd most ethnically diverse city, bested only by Auckland, and boasts a “melting pot” culture of significant minorities such as Malaysian, Italian, Dutch, Korean, Chinese, Greek, Indian, Samoan and indigenous Taranaki Whānui communities as a result. Described by Lonely Planet in 2013 as “the coolest little capital in the world”, the global city has grown from a bustling Māori settlement, to a remote colonial outpost, and from there to an Australasian capital that has experienced a “remarkable creative resurgence”.

Source: https://en.wikipedia.org/wiki/Wellington

Purchasing Property in Wellington?

Early Māori History of Wellington

Legends recount that Kupe discovered and explored the region in about the 10th century. Before European colonisation, the area in which the city of Wellington would eventually be founded was seasonally inhabited by indigenous Māori. The earliest date with hard evidence for human activity in New Zealand is about 1280.

Wellington and its environs have been occupied by various Māori groups from the 12th century. The legendary Polynesian explorer Kupe, a chief from Hawaiki (the homeland of Polynesian explorers, of unconfirmed geographical location, not to be confused with Hawaii), was said to have stayed in the harbour from c. 925. A later Māori explorer, Whatonga, named the harbour Te Whanganui-a-Tara after his son Tara. Before the 1820s, most of the inhabitants of the Wellington region were Whatonga’s descendants.

At about 1820, the people living there were Ngāti Ira and other groups who traced their descent from the explorer Whatonga, including Rangitāne and MuaūpokoHowever, these groups were eventually forced out of Te Whanganui-a-Tara by a series of migrations other iwi (Māori tribes) from the north. The migrating groups were Ngāti Toa, which came from Kāwhia, Ngāti Rangatahi, from near Taumarunui, and Te Atiawa, Ngāti Tama, Ngāti Mutunga, Taranaki and Ngāti Ruanui from Taranaki. Ngāti Mutunga later moved on to the Chatham Islands. The Waitangi Tribunal has found that at the time of the signing of the Treaty of Waitangi in 1840, Te Atiawa, Taranaki, Ngati Ruanui, Ngati Tama, and Ngati Toa held mana whenua interests in the area, through conquest and occupation.

Source: https://en.wikipedia.org/wiki/Wellington

Wellington First Home Buyer?

Early European History of Wellington

Steps towards Pākehā (European) settlement in the area began in 1839, when Colonel William Wakefield arrived to purchase land for the New Zealand Company to sell to prospective British settlers. Prior to this time, the Māori inhabitants had had contact with Pākehā whalers and traders.

European settlement began with the arrival of an advance party of the New Zealand Company on the ship Tory on 20 September 1839, followed by 150 settlers on the Aurora on 22 January 1840. Thus the Wellington settlement preceded the signing of the Treaty of Waitangi (on 6 February 1840). The 1840 settlers constructed their first homes at Petone (which they called Britannia for a time) on the flat area at the mouth of the Hutt River. Within months that area proved swampy and flood-prone, and most of the newcomers transplanted their settlement across Wellington Harbour to Thorndon in the present-day site of Wellington city.

Source: https://en.wikipedia.org/wiki/Wellington

New Zealand Image Gallery

Investment Properties in Wellington?

Climate of Wellington

Averaging 2,055 hours of sunshine per year, the climate of Wellington is temperate marine, (Köppen: Cfb), generally moderate all year round with warm summers and mild winters, and rarely sees temperatures above 25 °C (77 °F) or below 4 °C (39 °F). The hottest recorded temperature in the city is 31.1 °C (88 °F), while −1.9 °C (29 °F) is the coldest. The city is notorious for its southerly blasts in winter, which may make the temperature feel much colder. It is generally very windy all year round with high rainfall; average annual rainfall is 1,250 mm (49 in), June and July being the wettest months. Frosts are quite common in the hill suburbs and the Hutt Valley between May and September. Snow is very rare at low altitudes, although snow fell on the city and many other parts of the Wellington region during separate events on 25 July 2011 and 15 August 2011.

On 29 January 2019, the suburb of Kelburn reached 30.3 °C (87 °F), the highest temperature since records began in 1927.

Source: https://en.wikipedia.org/wiki/Wellington

Wellington Mortgage Financing

Demographics of Wellington

The four cities comprising the Wellington metropolitan area have a total population of 439,200 (June 2021), with the urban area containing 98.5% of that population. The remaining areas are largely mountainous and sparsely farmed or parkland and are outside the urban area boundary. More than most cities, life is dominated by its central business district (CBD). Approximately 62,000 people work in the CBD, only 4,000 fewer than work in Auckland’s CBD, despite that city having four times the population.

The WaikanaeParaparaumuPaekākāriki combined urban area in the Kapiti Coast district is sometimes included in the Wellington metro area due to its exurban nature and strong transport links with Wellington. If included as part of Wellington metro, Waikanae-Paraparaumu-Paekākāriki would add 46,300 to the population (as of June 2021).

Featherston and Greytown in the Wairarapa are almost never considered part of the Wellington metropolitan area, being physically separated from the rest of the metropolitan area by the Remutaka Range. However, both have significant proportions of their employed population working in Wellington city and the Hutt Valley (36.1% and 17.1% in 2006 respectively) and are considered part of the Wellington functional urban area by Statistics New Zealand.

The four urban areas combined had a usual resident population of 401,850 at the 2018 New Zealand census, an increase of 26,307 people (7.0%) since the 2013 census, and an increase of 42,726 people (11.9%) since the 2006 census. There were 196,911 males and 204,936 females, giving a sex ratio of 0.961 males per female. Of the total population, 74,892 people (18.6%) were aged up to 15 years, 93,966 (23.4%) were 15 to 29, 185,052 (46.1%) were 30 to 64, and 47,952 (11.9%) were 65 or older.

Source: https://en.wikipedia.org/wiki/Wellington

SCHEDULE A CALL WITH US TO VIEW MORTGAGE OPTIONS

Financing we can help with

First home buyers

Click to learn more!

Investment property

Click to learn more!

Building a home

Click to learn more!

Refinancing your mortgage

Click to learn more!

Loan refixes & rollovers

Click to learn more!

Renovations

Click to learn more!

International Buyers

Click to learn more!

Bridging finance

Click to learn more!

Equity release

Click to learn more!

Business loans

Click to learn more!

Commercial property loans

Click to learn more!

Property development funding

Click to learn more!

Car & Equipment Financing

Click to learn more!

Why work with us

We are owner operated and not aligned with any lenders

We work with you to customise your loan so it best matches your goals, and to save you time and money.

01

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.

02

We build relationships

We pride ourselves on building relationships with our customers and with our lenders to provide a more customised and personal experience.

03

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 September 2025

Referral partners we work with:

Correct as of September 2025

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?

Contact UsBook a MeetingApply Now
GoogleFacebook

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?

Contact UsApply Now
GoogleFacebook
Book a Meeting