4 Tips for Today’s Homebuyers

Buying a home is one of life’s biggest decisions—and we’re here to help make it simple.
At Harcourts, we give you the tools, guidance, and expert support you need to make smart, confident choices. Below, you’ll find our top 4 tips to get you started on your home-buying journey.

Step 1: Sort Out Your Finances

Before you start spending weekends at open homes, it’s crucial to know what you can afford. Whether you’re a first-home buyer or an experienced investor, working with a trusted mortgage broker will make a big difference.

A broker can:

  • Help you create a realistic budget
  • Shop around between lenders (banks vary significantly!)
  • Negotiate better rates and cash contributions
  • Structure your lending to suit your lifestyle

Want a great place to start?

Visit the Money Men

Step 2: Do Your Research

Once you know your budget and have pre-approval, it’s time to explore.

  • Use property sites like oneroof.co.nz to compare sale prices
  • Study how local property values have changed over 5–10 years
  • Research neighbourhoods that match your lifestyle and price range
  • Compare listings: features, layout, land size, and value

Need help?

Explore Our Suburb Guide

Step 3: Inspect Properties

The more homes you view, the more confident you’ll be in what you want—and what your budget will buy.

When inspecting:

  • Look for signs of damage (moisture, cracks, pests)
  • Consider the neighbours and property boundaries
  • Think about privacy, noise, and long-term lifestyle factors
  • Don’t forget the property’s position—busy roads, powerlines, floodplains, etc.

Tip: If you’re serious about a property, book a qualified building inspection for peace of mind.

Want expert support from start to finish?

Meet Our Buyer Specialists

Step 4: Making an Offer

Found the one? Here’s what to know:

  • Always make your offer in writing
  • Common conditions include:
    • Finance approval
    • LIM report
    • Building inspection
    • Sale of another property

We make this part easy with digital contracts, so you can review, sign, and share with your lawyer from anywhere.

Sellers may accept, reject, or counter-sign your offer—your agent will guide you through every step of the negotiation process.

Need More Help?

We’re here to make your buying journey smooth, informed, and enjoyable.
Get in touch anytime—we’d love to help you find the perfect place to call home.

Contact Us