NZ first-home resources
Yes, this section is useful: first-home buyers often need a plain checklist they can return to while comparing homes, advisers and next steps.
First-home buying guide
- Estimate your deposit, including savings, KiwiSaver and any family support.
- Check what upfront costs may apply, including legal fees, inspections, moving costs and insurance.
- Understand the difference between pre-approval and final loan approval.
- Compare suburbs by price, transport, schools, amenities, flood risk and resale appeal.
- Request and review LIM reports, title documents, body corporate records and building reports.
- Get independent legal advice before signing a sale and purchase agreement.
Questions to ask an agent
- Why is the owner selling?
- How long has the property been on the market?
- Have there been any known moisture, structural, flooding or insurance issues?
- Are there recent comparable sales nearby?
- What chattels are included?
- Are there any deadlines, conditions or disclosures I should know about?