Buying guide

Buying guide: How much to offer on a house

Some tips on finding that sweet spot.

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Deciding how much to offer on a house requires careful research and financial planning. Use free tools like Homes.co.nz to check recent sales and estimates, or get a professional valuation for the most accurate figure.

Before offering, determine your absolute maximum budget and "walk-away" price to avoid future financial stress. A useful negotiation tactic is to offer an odd number to potentially beat competitors. Knowing your limit and being prepared to walk away is key to a successful purchase.

I’m buying a house, how much should I offer?

1. Knowledge is power

Research property

Property tools and information to help you research the market on homes.co.nz.

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Trade Me Property Insights is a free tool that allows you to research and track home values.

2. Think hard about what you’re willing to spend

Think hard about what the maximum amount you can spend, without getting yourself into financial difficulty.

3. Know when to call it quits