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 research and a firm budget. Use free tools like Homes.co.nz to check recent sales and estimates, or get a professional valuation for the most accurate figure.

Establish your absolute maximum "walk-away price" to avoid over-stretching your finances. A smart negotiation tactic is to offer an odd number, like $812,750, which might give you an edge over competitors. This ensures you make a confident and sustainable offer.

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