26 Buyer Classification Buyer Classification - New Zealand Over the long term we’ve seen multiple property owners’ share of sales nationwide decrease since 2014, however there was a slight lift in Q2 this year. When we split these buyers by those who require a mortgage for their purchase and those who don’t, we can clearly see a drop in activity for those requiring a mortgage (down 3% from Q3 2016 to Q2 2017). First home buyers are now back to the same share of activity we saw before the first round of loan-to-value ratio restrictions were implemented in 2013.