Why Christchurch Is the Place to Be in 2025
If you're thinking about buying or investing in property, there's one city quietly standing out from the rest: Christchurch. Known for its strong infrastructure, lifestyle perks, and affordability, Christchurch is fast becoming one of New Zealand’s most compelling property markets - and the latest economic and lending trends in 2025 are only strengthening its appeal.
A Market With Room to Grow
While Auckland and Wellington have experienced steeper price cycles, Christchurch has remained steady - and that’s a good thing. Property here is still more affordable compared to other main centres, while offering consistent long-term growth. For first home buyers, that means better value. For investors, it means reliable returns without the inflated entry costs. In fact, ANZ has recently extended interest-only loans for investors to 10 years, helping to boost cash flow and open up more opportunities. Read More on ANZ's Interest Only Loan Terms Here. Rental demand across the region remains strong, supported by population growth and a resilient local economy, making Christchurch a solid pick for investment in 2025.
Interest Rates Are Settling
The Reserve Bank has kept the Official Cash Rate (OCR) steady, indicating we may have reached the peak of the interest rate cycle. While rates remain higher than previous years, the stability is a confidence boost for buyers and investors looking to plan ahead. Many are already locking in competitive fixed terms, knowing what to expect in the months ahead. Read more on the OCR Here. This settled rate environment provides a welcome sense of certainty - something we haven’t had in a while.
Lifestyle Without the Price Tag
Beyond affordability and returns, Christchurch offers one of the best lifestyles in New Zealand. As highlighted in a recent feature by Paddy Gower, this is a city that blends culture, innovation, nature, and opportunity. From beaches to ski fields, mountain biking trails to laneway dining, Christchurch gives you the lifestyle of a bigger city, without the big-city headaches. And it’s only getting better. Christchurch continues to benefit from ongoing investment in infrastructure, public spaces, and housing.
Looking Ahead
With stable interest rates, improved lending conditions, and strong market fundamentals, Christchurch stands out as a smart place to buy in 2025. Whether you're a first home buyer or investor, the combination of affordability, rental demand, and livability is hard to beat. At SM Property, we’re proud to support buyers and investors across Aotearoa, and we see Christchurch as a standout opportunity this year. Thinking about making a move? Let’s talk. We’ll help you explore the best new builds and investment options suited to your goals and budget.
