Choose the people who will help you understand lending and the legal steps.
MoreGage preparation tools
Know what to prepare next.
Browser-only checklists and explainers for the property and mortgage process. No account, uploads, or personal financial data.
Move from preparation to a property offer with the right questions and professional handoffs. This does not assess how much you can borrow.
Tick a milestone when it is done. Open it to see the smaller steps underneath.
Gather the income, employment, commitments, and deposit evidence the lender or adviser needs before issuing a written pre-approval.
Bring the pieces of your deposit together and check timing with the relevant providers. The First Home Grant is closed to new applications; KiwiSaver withdrawal is a separate process.
Start with a working budget and search brief, then check whether a property fits your lending, insurance, and due-diligence pathway.
Have the agreement and proposed conditions reviewed before you sign. Conditional and unconditional offers carry different risks.
Once you have a property and agreement, the lender may need the documents that support this particular purchase and any conditions attached to it.
The purchase is not finished when the offer is accepted. Confirm the legal, insurance, ownership, and household handoffs.
Source notes
- Consumer Protection: working with a lawyer or conveyancer ↗
- Settled: sale and purchase agreement ↗
- Settled: confirming your finances ↗
- Settled: preparing and making an offer ↗
- Inland Revenue: KiwiSaver first-home withdrawal ↗
- FMA: financial advice providers ↗
- FMA: advice on behalf of someone ↗
- Financial Service Providers Register ↗
- LINZ: record of title ↗
- LINZ: new mortgage or discharge registration ↗
- Standards New Zealand: NZS 8510:2017 ↗
- Kāinga Ora: KiwiSaver first-home withdrawal ↗
- Building Performance: what to check when buying ↗
- Building Performance: signs of a leaky home ↗
- Insurance Council: common house-policy exclusions ↗
- Insurance Council: information to tell your insurer ↗
- Auckland Council: LIM ordering and timeframes ↗
- Building inspection provider pricing example ↗
- Published refinance fee schedule example ↗
- Kāinga Ora: First Home Grant closure report ↗