Buying guide

Our home buying checklist – what to do when

Your most useful resource.

Victoria Harris
Last updated: 16 September 2026 | 5 min read
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This home buying checklist guides you through purchasing existing homes and new builds. The process begins with getting mortgage pre-approval, engaging a lawyer, and checking KiwiSaver eligibility.

Key steps include due diligence like obtaining a building report or researching a developer's history. Before settlement, you must arrange insurance and utilities, confirm your mortgage structure, and conduct a pre-settlement inspection. This guide breaks the entire journey into manageable stages from start to finish.

For existing homes

Step 1: Getting started

Step 2: House hunting

Step 3: Going unconditional

Step 4: Before you settle

Step 5: After you settle

For new builds

Step 1: Getting started

Step 2: House hunting

Step 3: Going unconditional

Step 4: Before you settle

Step 5: After you settle

Author

Victoria Harris Victoria Harris
Co-Founder of The Curve