Registered Valuations in NZ: Everything You Need to Know
You find the perfect house, the seller accepts your offer, and you're ready to celebrate. Then your broker calls with the news: "The bank needs a Registered Valuation before unconditional approval."
If you're buying with less than a 20% deposit, this is completely standard practice—but it can still feel like a roadblock. We pull back the curtain on what valuers actually look for, how much it really costs, and what happens if the valuation comes back lower than your purchase price.
Buying a New Build: How Property Valuations Actually Work
Buying a brand-new build is exciting, but securing the finance involves answering a tricky question: How does a bank value a house that doesn't exist yet?
We break down the massive difference between Turnkey and Construction loan valuations. Learn how the traditional "two-step" off-the-plans valuation process works, what it costs, and how recent banking changes mean you might not actually need a valuation at all.