How It Works
How to Buy a Home in New Zealand
8 Simple Steps
Step 1
Check Your Budget
Start by working out what you can realistically afford. Consider your income, expenses, savings, and any existing debts. A mortgage adviser or online calculator can help you estimate your borrowing power.
Step 2
Talk to a Mortgage Adviser
Working with a licensed mortgage adviser means getting expert help comparing lenders, securing great rates, and navigating the lending process with less stress.
Step 3
Get Pre-Approved for a Mortgage
A pre-approval gives you confidence and shows sellers you're a serious buyer. It tells you how much you can borrow and helps narrow down your property search.
Step 4
Start House Hunting
Search online or connect with a real estate agent to view homes within your budget. Consider location, condition, school zones, and future resale value.
Step 5
Do Your Due Diligence
Before making an offer, get a LIM report, building inspection, and review the property title. Your lawyer will help make sure everything checks out legally.
Step 6
Make an Offer
Submit a conditional or unconditional offer depending on your situation. If buying at auction, have your finances sorted ahead of time.
Step 7
Go Unconditional & Finalise Your Loan
Once your offer is accepted and conditions are met, your purchase goes unconditional. Your adviser will help lock in the final mortgage agreement with your lender.
Step 8
Settle & Move In
On settlement day, your lawyer completes the legal and financial transfer. Once that's done—you get the keys and your new chapter begins!
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It’s soooo easy. Just follow the steps below, and you can shape your future positively.