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Every stage, explained once, properly

These are the questions people ask at each stop on the journey. No signup, no paywall, no American advice that doesn't apply here.

Money line

Deposits, KiwiSaver, lending, and what it all actually costs.

  1. M2 KiwiSaver first home withdrawal: the timeline that catches people out Your KiwiSaver money doesn't arrive on request. Here's who qualifies, how the application actually works, how long it takes, and why it must be started well before settlement.

Property line

LIM reports, builder’s reports, title, and due diligence.

  1. P2 What is a LIM report, and what does it actually tell you? A LIM is the council's file on a property. Here's what's inside one, what it costs, how long it takes, and the five findings that should make you pause before going unconditional.
  2. P5 Natural hazards on your LIM: what councils must now disclose The rules changed in 2025. LIM reports must now set out natural hazard and climate risk under specified headings. What your LIM covers, and what it still doesn't.
  3. P3 Builder's report NZ: what it costs, what it covers, what it misses A pre-purchase inspection costs a few hundred dollars and can save you a hundred thousand. How to book one, what the report must contain, and the hedged wording that matters.