90A Cambridge Terrace, Waterloo, Lower Hutt City, Wellington
Wellington, New Zealand
Guide Price
$521,420
899,000 NZD
PROPERTY TYPE
house
BEDROOMS
3
BATHROOMS
2
Description
Located in the heart of Waterloo, this modern, stand-alone three bedroom, two and a half bathroom home (built in 2020) will appeal to both young and old alike. The generous 122sqm (approximately) floor plan will surprise you with its clever layout. As you enter, you’re greeted by the heart of the home — a spacious open-plan kitchen and living area that flows seamlessly to a private, enclosed courtyard, expanding your living space and creating the perfect spot for entertaining or relaxing outdoors. The modern kitchen, with its sleek lines, stone benchtops, and ample storage, will be a delight to the head chef of the household — practical, stylish, and perfect for family living. The ground floor also
features a guest WC, a single internal-access garage, and a well-designed laundry nook, ensuring all your storage needs are well covered. Upstairs, you’ll find three well-proportioned bedrooms, each with built-in wardrobes. The master suite includes its own ensuite, complemented by a large family bathroom. At the top of the stairs, there’s even a versatile study nook or reading corner, ideal for working from home or unwinding with a book. The home is fully double-glazed and well insulated, with a heat pump providing both warmth and cooling, keeping you comfortable and cosy year-round. With easy-care grounds, you’ll have more time to do the things you love. The
location is superb — just moments from all public transport, making the morning commute a breeze. Local shops include an award-winning butcher, multiple takeaway options, a Four Square, hairdressers, and even a vet. So park up the car — everything you need is right here.
Location
Open in Google MapsLiving in Wellington
New Zealand's compact capital, dubbed 'the coolest little capital in the world' by Lonely Planet, with a vibrant arts and cafe culture that punches well above its weight. The CBD is fully walkable and public transit usage is the highest in NZ, but prepare for relentless wind -- it's literally the windiest city in the world. Locals are genuinely friendly and the expat community integrates easily, though the cost of living is high for its size.
Morning surf before work, weekends tramping through Lord-of-the-Rings landscapes, and a laid-back culture where shoes are optional and nature is never more than ten minutes away.
Visa
Skilled Migrant Category Resident Visa — points-based system requiring a skilled job offer in NZ. New pathways opening August 2026 for trades workers and those with 5+ years experience. Accredited Employer Work Visa is the faster route if you already have a job offer.
Learn more: The Complete Guide to Moving to New Zealand→Key Fact
NZ has strict biosecurity laws — importing food, plants, or outdoor gear can result in heavy fines. The work-life balance is exceptional, but the job market is small and remote from everywhere.
Learn more: What You Need to Know Before Moving Abroad→New Zealand at a glance
How New Zealand scores for American expats
Cost of buying in New Zealand
Estimated fees and ongoing costs for this property
Closing Costs
3-5% of purchase price
- ·No stamp duty
- ·Legal/conveyancing: NZ$1,500-3,000
- ·Building inspection: NZ$500-800
- ·LIM report: NZ$300-400
Annual Costs
Property Tax
0.3-1.5% of government valuation (varies by council)
Insurance
NZ$1,500-3,000/yr
HOA / Condo Fees
NZ$300-600/mo for apartments (body corporate)
Good to Know
Agent Fees
Seller pays (2.5-4%)
Foreign Buyer Note
Foreign buyers BANNED from existing homes (2018 ban). Can only buy new-build apartments in large developments.
Legal help in New Zealand
Hire your own attorney — not the seller's. We'll match you with a vetted local lawyer.
Need a local attorney in New Zealand?
We'll connect you with an independent, English-speaking real estate attorney experienced with foreign buyers. Not the seller's lawyer — yours.
Contact Agent
Rob Black - Capital Commercial (2013) Ltd (Licensed: REAA 2008) - Bayleys Lower Hutt
Next steps for moving to New Zealand
Interested in this property? Here's how to move forward.
Understand the buying rules
Foreign ownership laws vary wildly by country. Some welcome you, others restrict or ban foreign buyers entirely.
Sort out your visa
Owning property doesn't give you the right to live there. Research residency options before you buy.
Plan your finances
Understand currency risk, international wire transfers, and whether you can get a local mortgage.
Know your tax obligations
US citizens are taxed on worldwide income. You'll need to file US taxes from abroad and may owe local taxes too.
Set up healthcare
Medicare doesn't cover you overseas. You'll need international health insurance or a local plan.
Run the full checklist
Banking, mail forwarding, power of attorney, pet import rules — the complete pre-move checklist.
realestate.co.nz
NZD


