Your gateway to New Zealand. Investment, residence and the life that follows.
Whether you are considering obtaining an Active Investor Plus (AIP) New Zealand residence visa (often referred to as a "golden visa"), acquiring a residential property in New Zealand, or both, Anthony Harper can support you by being a single point of contact for all of the legal, immigration and tax advisory expertise you need.
Overseas persons cannot acquire residential property in New Zealand without first obtaining consent from the Overseas Investment Office (OIO) under the Overseas Investment Act 2005 (OIA).
We provide specialist advice on how the OIA applies to your situation and help you with any required OIO consent application. We can also provide all the support you may need to conduct legal due diligence on your intended property and with the acquisition and conveyancing of the property.
We will connect you with our trusted network of specialist and expert immigration and tax advisers who can assist with obtaining your AIP visa and provide you with any New Zealand tax advice you may require. We will remain available to you to ensure seamless delivery of that advice.

There are three routes to residential property ownership in New Zealand for overseas persons, each of which requires you to apply for and obtain consent under the OIA before purchasing the property:
1. "One home to live in" pathway
The "one home to live in" pathway under the OIA is suitable for you if you hold a residence-class visa or are an Australian or Singaporean citizen or permanent resident and you intend to permanently live in New Zealand and become a New Zealand tax resident.
This pathway allows you to purchase any property in New Zealand as long as it will be your primary residence.


2. AIP visa pathway
If you hold or plan to obtain an AIP visa, the AIP visa pathway under the OIA will allow you to purchase or build a residential property in New Zealand for NZ$5 million or more, without requiring you to permanently migrate or transfer your tax domicile to New Zealand.
This pathway comes with restrictions on the type of property you can buy; for example you won't be able to acquire a pure waterfront property with land area of more than 0.2 hectares, a property on an island with land area greater than 0.2 hectares or a rural lifestyle block with land area of more than 5 hectares.
3. Benefit to New Zealand pathway
This pathway under the OIA does not require the applicant to hold a residence visa or AIP investor visa or have any intent to migrate to or spend time in New Zealand. And there are no restrictions on the type of property you can acquire.
But to obtain consent under this pathway you will need to establish that your investment in the property will deliver certain benefits to New Zealand, such as new employment, productive capital investment, increased exports of goods or services, and new or continued public access and/or environmental protection measures. Expert advice is required if you want to proceed down this route.

In particular our experienced experts will:
- Advise you on how the OIA regime applies to your proposed purchase of residential property in New Zealand, including which consent pathway applies to you, what you need to do to meet the requirements of that pathway and the relevant costs and timeframes to obtain consent.
- Assist you to prepare and submit your application to the OIO under the relevant pathway.
- Advise you on any consent conditions and ongoing reporting requirements.
As a one-stop shop for those interested in AIP investor visas ('golden visas'), we will connect you with our trusted network of specialist and expert immigration and tax advisers who can assist with obtaining your AIP visa and provide you with any New Zealand tax advice you may require. We will remain available to you, and to those advisors, to ensure seamless delivery of the advice you need.
How we support you
- Preparing a New Zealand will that works alongside your existing offshore arrangements, ensuring your New Zealand-situated assets pass in accordance with your wishes
- Advising on trust structuring and estate planning options for New Zealand-held assets, including how these interact with any existing offshore structures
- Preparing New Zealand enduring powers of attorney covering property and personal care and welfare
- Advising on the implications of New Zealand's relationship property regime, which applies to all property situated in New Zealand regardless of the owner's residency status, and on whether a contracting out (or prenuptial) agreement is appropriate for your situation
- Reviewing existing wills, trusts and powers of attorney to ensure they remain effective once you are spending significant time in New Zealand or have established assets or residency here.
Business structuring and commercial advice
Establishing and managing your business interests in New Zealand. We help you structure your investment efficiently, navigate the regulatory environment, and protect your commercial interests.
- Establishing companies, partnerships and joint ventures
- Shareholder and governance arrangements
- Commercial contracts
- Directors' duties and ongoing compliance
Banking, finance and investment structures
Creating secure and compliant vehicles for your investment, whether through bank lending, private capital or dedicated investment structures.
- Fund structuring including limited partnerships and managed investment schemes
- Loan and security documentation
- Banking negotiations and private credit solutions
- Working with investment advisers and custodians
We can also provide legal advice on investments into New Zealand investment fund structures, including support with legal due diligence and application materials.
Employment law
As you establish operations in New Zealand, whether hiring directly or through an existing structure, our employment team can help you navigate New Zealand's employment framework.
- Employment agreements and contractor arrangements
- Compliance with New Zealand employment law and health and safety law
- Workplace policies and HR frameworks
- Key management arrangements and restraint of trade
Anthony Harper is one of New Zealand's leading commercial law firms, with offices in Auckland and Christchurch. We advise international investors, high-net-worth individuals and family offices on complex cross-border transactions, and our experience with New Zealand's overseas investment regime is among the strongest of any firm in New Zealand.
Our approach is commercially focused and genuinely collaborative. We take time to understand your goals, your existing structures and your timeline before advising on next steps.
If you are interested in an AIP application, property acquisition or other investment into New Zealand, get in touch with our team.

What can I invest in?
This depends on which category you choose, but investment options range from approved managed funds and direct investments (which offer more direct benefit to New Zealand) to equities, bonds, some property development and philanthropic donations.
I already have an immigration advisor; can Anthony Harper still assist?
Yes. Anthony Harper will still be able to assist.
What documentation is required for source of funds?
You must have earned or acquired your investment funds lawfully. The evidence you provide will depend on how you came by your funds. It can include: tax returns or certificates, pay slips, business financial statements, business shareholdings, dividends, receipts for property sales, bank certificates, share trading profits, evidence of gifted money, probate and other evidence of inherited money.
Can I apply for permanent residence and citizenship?
Yes, after you meet your AIP visa conditions at the end of your investment period. Note that the time spent in New Zealand on a resident visa, if living in New Zealand, can count towards the five years of residence required for citizenship.
How long does the process take?
80% of approval in principle within 3.5 months.
What is approval in principle?
After your application has been approved in principle, Immigration New Zealand will issue a resident visa, subject to you transferring your funds to New Zealand correctly and making suitable investments. Alternatively, you can apply for a work visa to come to New Zealand and arrange the transfer and investment of your funds. If your partner wants to come with you, they will need to apply for their own visitor visa. Your dependent children can apply for student visas.
When do I need to commit my funds?
Within six months of approval in principle. This can be extended for a further six months (but no more), and you need to transfer your funds to New Zealand and be fully invested/committed within the set time frame.
Do I need to speak English to qualify?
No.
Can my family be included in my application?
Family members who can be included are one partner and any dependent children aged up to 19 years. Those children aged 19-24 years inclusive have additional requirements to be met if they are to be included in the application, which involve having no partners or children of their own and being substantially dependent on parents or another adult.
Do I need Overseas Investment Office (OIO) consent for a business investment?
It depends on a wide number of factors, including ownership interest, asset value, and the type of investment.
Can I buy property in New Zealand as an AIP visa holder?
Yes, AIP visa holders can acquire or build most residential properties valued at NZ$5 million or more. If an AIP visa holder chooses to live in New Zealand, then they can come through the “one home to live in” pathway, which has no financial minimum.
Can I buy a property without an AIP visa?
Yes, however you must obtain OIO consent via one of the other consent pathways.
Do I need OIO consent to buy a house in New Zealand?
In most cases, yes, unless you are a New Zealand, Australian or Singaporean citizen, or a New Zealand resident who is ordinarily resident in New Zealand.
Are my existing powers of attorney valid in New Zealand?
Overseas powers of attorney are not automatically valid in New Zealand. Whether a foreign power of attorney is recognised depends on the type of power of attorney and its specific drafting.
What is a contracting out (or prenuptial) agreement and do I need one?
A contracting out or prenuptial agreement is a legal contract put in place either before or during a relationship that sets out how assets, debts and property will be divided in the event of separation, divorce or death. It allows couples to opt out of default local laws and create their own financial rules. You may want one if you want to protect pre-relationship or separate property savings or investments.
Do New Zealand relationship property laws apply to me as an overseas person?
Yes, they may apply to you as an overseas person, depending on where your assets are located and where you live or intend to live.
Do I need a New Zealand will if I am buying property here?
While not a strict legal requirement, it is strongly recommended you have an international estate plan if you have assets in more than one jurisdiction. In particular, it is important to implement a cross-border estate plan that considers the local laws relating to domicile and succession in the relevant countries, including New Zealand.






