Property

See our Property services below:


Buying & Selling


If you are thinking about buying and selling your home or entering the property investment market, have a chat to us first.  We often find that potential pitfalls can be avoided and the process made more straightforward.  We can recommend clauses that should be included in the contract, whether you are buying or selling, which relate to your particular circumstances, and if a property is being sold by auction, we will look at the auction pack and advise you on that before auction day.  

All sorts of issues have arisen since the Canterbury earthquakes relating to EQC and insurance claims for earthquake damage, so it is important to get advice early on in the process.  The new property taxation rules came into effect as at 1 October 2015, so if you are selling a property within 2 years of purchasing it, there may be tax consequences if the sale does not fall into one of the exempt categories.  If you are a first time purchaser, then you may be able to withdraw your kiwisaver funds and be entitled to a grant from Housing New Zealand of up to $10,000 to help make up your contribution towards the purchase price.



Bank Lending


Most purchasers require a loan from their bank to help them finance the purchase of a property. The bank will require a mortgage to be registered over the title to the property to secure that lending.  The bank will instruct the borrower’s lawyer to have the loan documents signed and to register the mortgage in the Land Information New Zealand registration system.  From time to time a client may wish to refinance their existing mortgage, for example to get the benefit of better interest rates, or to increase their lending so they can pursue another goal.  We can help you with this process.

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Retirement Villages & Rest-home Care


If a client or an elderly relative reaches the stage where they need the level of care and help provided by a retirement village or rest home, we can advise on the legal documents that they will need to sign.  Some facilities enable residents to buy their own title in the development and others require residents to sign an occupation agreement.  These documents are very detailed and can be overwhelming for a client when they have reached that stage in life.  This is an area of law regulated by legislation and it is a requirement that the resident (or his/her attorney) understand the nature of the documents, their rights and obligations and the legal consequences of the documents they are asked to sign, in particular the financial commitment they are agreeing to. 



Insurance Claims For Earthquake Damage


Most purchasers require a loan from their bank to help them finance the purchase of a property. The bank will require a mortgage to be registered over the title to the property to secure that lending.  The bank will instruct the borrower’s lawyer to have the loan documents signed and to register the mortgage in the Land Information New Zealand registration system.  From time to time a client may wish to refinance their existing mortgage, for example to get the benefit of better interest rates, or to increase their lending so they can pursue another goal.  We can help you with this process.