The latest QV House Price Index reveals a steady but subdued summer for New Zealand’s residential property market. National home values rose just 0.5% in the three months to February 2025 — signalling that while interest rates are easing, wider economic pressures continue to temper momentum.
In a property market where returns are modest and momentum is mixed, Norfolk Mortgage Trust offers a steady alternative. Our proven, property-backed investment delivers consistent monthly returns — currently 7.25% p.a.* — backed by deep expertise in New Zealand’s property sector. It’s a disciplined approach designed to perform through all stages of the property cycle.
*Annualised pre-tax return for the month ending 31st Jan 2025.
A Market Settling Into Stability
After years of volatility, the New Zealand property market is showing signs of balance. The latest QV data reflects this shift: Auckland values rose by 0.6%, Wellington by 0.3%, and Christchurch by 0.9%. Regional hubs like Rotorua, Napier, and Invercargill saw stronger growth of around 2.1%, while areas such as Hastings (-3.4%) and Whangarei (-0.5%) recorded slight declines.
This mixed performance highlights the importance of on-the-ground knowledge. While gains may be modest, the current climate offers opportunities for those focused on long-term value rather than short-term speculation. Prices are realigning with fundamentals, and that creates fertile ground for well-considered investments.
Our team actively monitors regional property trends to ensure our portfolio remains positioned in areas with strong fundamentals and sound long-term prospects. We don’t chase hype — we focus on quality, value, and risk-managed opportunity.
Opportunity in a Time of Constraint
Affordability challenges and tighter lending criteria have slowed investor activity in recent years. However, with interest rates easing and lending conditions expected to improve, many investors see 2025 as a time to reposition and prepare.
While first-home buyers have benefited from reduced competition, that window may narrow as investor interest returns. For long-term investors, this quieter phase may present the ideal time to secure quality assets backed by strong fundamentals.
At Norfolk Mortgage Trust, we’re selective by design. We don’t invest in just any property. We cherry-pick lending opportunities backed by real assets and supported by rigorous due diligence — balancing return potential with a clear view of risk.
What’s Ahead for the Property Market?
With excess listings still being absorbed, the property market may remain relatively flat in the short term. But signs of recovery are emerging. Falling interest rates, easing household costs, and improving consumer sentiment are setting the stage for renewed momentum.
While we don’t make predictions, we do remain alert. Our flexible approach means we can adapt to evolving conditions while staying true to our core investment principles: capital preservation, steady returns, and transparency.
Why Investors Choose Norfolk Mortgage Trust
At Norfolk Mortgage Trust, we offer a property-backed investment that’s consistent, disciplined, and grounded in experience. Here’s why investors trust us:
- Proven Expertise in Property – We’ve spent decades understanding the New Zealand property market — the risks, the opportunities, and the regions with real long-term value. That knowledge underpins every investment decision we make.
- Consistent Monthly Returns – We’ve delivered reliable consistent returns to our investors since 2006. Today’s annualised pre-tax monthly return of 7.25% p.a. highlights the strength of our steady, performance-driven strategy.
- Disciplined, Risk-Aware Selection – We don’t take unnecessary risks. Every loan in our portfolio is carefully assessed for its underlying property value, borrower profile, and market conditions.
- Transparency and Accountability – We believe in open communication, full regulatory compliance, and helping investors understand exactly how their money is working for them.
Invest with Confidence in 2025
The smartest investments aren’t always made when the market is hot — they’re made when the fundamentals are strong, the noise is low, and the opportunity is clear. That’s where we come in.
With Norfolk Mortgage Trust, you’re not just investing in property. You’re accessing a carefully managed portfolio designed to deliver steady returns with a focus on preservation, performance, and professionalism.
Norfolk Mortgage Trust – Trusted Expertise. Consistent Returns. Property-Backed Confidence.
Talk to our team today to find out how you can invest with confidence in 2025 and beyond.
Data Source: QV’s February 2025 House Price Index Report