The options for non-residents or overseas buyers vary between banks and lenders.
If you are a New Zealand citizen living overseas it may be possible to borrow up to 80% of the value of a property if you intend to live in it, or 60% if it is to be an investment property. The same applies if you are an Australian or Singapore citizen.
If you do not have New Zealand residency it is not possible to purchase residential property.
We have assisted many non-residents to purchase a property as an investment or who were wanting to purchase a property prior to returning home.
In the current market lending criteria is constantly changing.