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.