Tools
Offer Planner
A one-page offer strategy you take to the agent.
Free to use, no account needed. All calculators
Your details
The number above which you'd rather keep looking. Write it down before you start.
Your result
Your walk-away line
This is the number you tell your agent, and the one you hold
$675,000
Suggested opening offer
In a deadline sale or tender you usually get one shot — go closer to your real number
$625,000
Comparable range
$640,000 – $700,000
Headroom above your walk-away
Money your lender would allow but you've decided not to spend
$10,000
Conditions to include
- Finance — at least 10 working days, longer if KiwiSaver is involved
- Builder's report — 7 to 10 working days
- LIM — up to 10 working days from most councils
- Solicitor's approval of title and the agreement
Send the sale and purchase agreement to your solicitor before you sign anything. Your agent must also give you the REA Residential Property Sale and Purchase Agreement Guide first.
This is a guide, not advice. Your actual borrowing depends on the lender's assessment of your full situation. Talk to a mortgage adviser before making decisions.