Buying guide
How to make an offer on a house in NZ
So you’ve found a home and want it to be yours. Here’s what to do next.
AI summary
When making an offer on a house, first consult your lawyer to review the Sale and Purchase Agreement and confirm your finances with a lender or mortgage adviser.
Decide if your offer will be conditional—subject to finance, a building report, or other checks—or unconditional. An unconditional offer is more attractive to sellers but carries more risk. To make your offer stand out, be flexible on the settlement date and have your finances pre-approved to show you can act quickly.
How to make an offer on a house in NZ: the steps
1. Talk to your lawyer
2. Confirm your finances
You'll need to confirm your finances before making an offer.
3. Decide what conditions, if any, you want to include in your offer
Think about what conditions you might want to add to your offer, and how the buyer might see them.
4. Understand the sale and purchase agreement
The Sale and Purchase Agreement is an important document you need to understand.
How to make a house offer more attractive
1. Be flexible on settlement date
2. Be prepped with your finances
3. Show commitment to working through your conditions
4. Keep your timeframes as short as possible
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