Want to make an offer?

You've found your dream home and want to make an offer.

It's time to tick a few things off your checklist, including getting all your reports and reviews done and finalising your finances.

  • You can make a conditional offer, which means your offer is conditional on your finance being fully approved, along with other due diligence such as builder's reports and insurance.
  • Your offer can go unconditional once everything has been approved by your lender and reviewed by your solicitor.
Before making an offer

Before making an offer

Get a Builder's Report

You'll want to know about any potential issues with any houses you're serious about.

A builder's report will provide you and your lender with important information about the house.

šŸ• If time is short, you can put forward an offer that's conditional on the builder's report being acceptable to you and your lender.

Making an offer

šŸ“Understand what you're signing:

You'll need to sign a sale and purchase agreement, which is an agreement between you and the seller of the property. It acknowledges that you are aware of the state of the property inside and out.

You should check what's included as fixtures and appliances can sometimes be negotiated as part of the sale. It's important to be clear what does or doesn't come with the house.

šŸ“ž Contact your lender

Once you've found your ideal property, you should contact your lender to confirm finance.

Your lender will need to review the property details before fully approving your loan, ensuring it fits within their criteria and your finances.

āœ… Contact your lawyer

Your solicitor reviews the record of title, property restrictions, lender requirements, council approvals, and the builderā€™s report to make sure the property is suitable and meets all legal and lending conditions.

Settlement

Once your offer has been accepted and is unconditional, it's time to get ready to move.

You'll need to ensure you pay your deposit on time and meet all other sale and purchase conditions.

Your lender will send your home loan agreement and other documentation to your solicitor to arrange for you to sign.

Settled.org.nz have a handy Settlement Checklist to help get you to settlement day.

what can you borrow

Checklist for Settlement

View PDF

Ready for your first home?

We're exclusively dedicated to you and will work hard to get you into your first home.

Ready to make an offer?

If you've found a home but don't have a pre-approval, you can apply now for a fast turnaround and personalised support to make it easy.

The fine print

Normal lending criteria and a $100 establishment fee applies to all new loans.

See our Terms, Conditions, and Loan Agreements.