Have you considered getting some fake cameras and mounting them as visual deterrents, until your budget allows more good cams? I don't know if the deterrents premise holds water, but if it matters for you maybe fakes would work.
I get your options are more limited in NZ than here in the states, and totally get the budget limit.
As a newbie myself, who has benefitted greatly from this board, I have a few learnings from my two months of experience (which followed a month of research):
I bought a nice Hikvision NVR (8 port) which works fabulously but I anticipate a rapid switch to a
Blue Iris PC. Cameras are addictive and I while I only have 5 right now, I could quickly exceed that number, given I'm eying a pair of LPR cameras
Don't look at your budget as a lump sum. This will become a hobby, or perhaps a lifestyle. Plan for upgrades over time. You're a tinkerer... Plan to tinker! Like me...
Don't forget to plan $ for cable, electrical boxes, mounts, and the like.
I have mostly Hikvision cams and one el cheapo $40 cam. The cheapo works great and even gives a decent (not great) night picture. I bought it on a lark to be a garage camera but repurposed it "temporarily" to cover my front walk due to higher priority. The point is, sometimes cheap stuff works, sometimes it causes headaches.
From reading this thread my recommendation is do one of two things:
Either buy some fakes as deterrents and don't actually spend any real money, or put Blue Iris on a PC and buy one good camera for your most important spot and learn by doing. Budget for a POE switch, by the way. Once you get in and play with stuff you will be in a much better position to plan expansion based on experience.
My bet is you will get sucked in and gradually add cameras and so on, and by going one step at a time you won't be wasting money.
Best of luck to you and I hope to hear how it goes!
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Oh, and don't forget the costs of storage (suitable HDD like a WD purple), possibly a new router with good VPN oomph (I'm currently researching this one), and so on. Once you go through the looking Glass, the slope gets slippery.