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Making an Offer
Checklist

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Why Making an Offer Matters

Submitting an offer is one of the most critical steps in buying a home. A structured, well-considered offer not only reduces your risk but also strengthens your position as a buyer. Sellers are more likely to take you seriously if your offer is clear, realistic, and backed by the right preparation.

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Conditional vs. Unconditional Offers in NZ

Conditional Offer

  • Includes clauses that must be met before the purchase goes ahead.

  • Common conditions: finance approval, LIM report, building inspection.

  • Gives buyers protection and time to complete checks.

Unconditional Offer

  • No conditions attached — once accepted, it’s legally binding.

  • Typical in auctions where due diligence is done beforehand.

  • Riskier for buyers, but highly attractive to sellers.

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Pitfalls to Avoid

Even experienced buyers can stumble when making an offer. Avoid these common mistakes:

  • Skipping legal review – Always have your lawyer check the Sale and Purchase Agreement before signing.

  • Rushing at auction – Auctions are unconditional; don’t bid unless your finance, insurance, and checks are sorted.

  • Adding too many conditions – Can weaken your offer and make it less appealing to sellers.

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👉 Next Step

With your offer submitted, the next stage is preparing for settlement — making sure all the paperwork, funds, and final checks are ready.

Luminate Financial Group
Important Information
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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

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