I now have the marriage certificate, and can confirm the following.
They were married on Jan 5 1901 in the Registry office, Dunedin .her place of birth is given as Stirlingshire ,Scotland ,and mothers name is Margaret Sloan, and fathers name is John Nicol. This confirms the post by ballybw, and the record of birth I found that she was born in Kilsyth, and that the surname Nicol was incorrectly spelt(either in Scotland or New Zealand).Jane gives her age as 33 at time of marriage,(making her birth year 1861)but official birth record states she was born in 1865, so she was actually 29 when she married.As James was 40, maybe she wanted to be seen as older?
I confirm also that Janes parents were John Nicol, and Margaret Sloan.
James gives his age as 40 at time of marriage, and marriage certificate confirms he was born in Ballarat,Australia to James Murdoch and Ellen Pardy (not Purdy).
So, a successful conclusion, and thanks to everyone that helped.