RealyNZ home buying guides
Plain-English, NZ-specific guides to every stage of buying a home — from KiwiSaver and LIM reports to the Sale and Purchase Agreement and settlement day.
How to buy a house in New Zealand
A clear, step-by-step guide to buying a house in New Zealand in 2026 — from pre-approval and KiwiSaver withdrawal to LIM, building report, and unconditional settlement.
NZ property due diligence checklist
The complete due diligence checklist for buying property in New Zealand: LIM, builder's report, title, insurance, body corp, meth test, and the questions most buyers forget to ask.
LIM report explained (NZ)
A LIM (Land Information Memorandum) is the council's full record of a property. Here's what's in it, how to read it, what to watch for, and what it doesn't tell you.
Conditional vs unconditional offers (NZ)
Conditional offers protect you with finance, LIM, and builder's report clauses. Unconditional offers are binding from the moment they're accepted. Here's when to use each in NZ.
NZ sale and purchase agreement explained
Walk through the standard ADLS/REINZ Sale and Purchase Agreement clause by clause: deposit, conditions, settlement date, chattels, GST, default interest, and the small print that catches buyers out.
KiwiSaver first home withdrawal
How to use your KiwiSaver for your first home in New Zealand: who qualifies, what you can withdraw, how long it takes, and how to apply for the First Home Grant on top.
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