Bidding at auction, making an offer or submitting a written tender: how you buy is up to the seller. Being prepared and ready to do a deal is up to you, so here are the pros and cons of each method.

It’s time to decide what kind of home loan is right for you. This might include using your KiwiSaver or going with a low deposit option – we’ll walk you through your choices.

Your lawyer will do the work for this part of the process, from taking care of any conditions to transferring ownership into your name on settlement day.

You’ve done it: you’re home! A warm welcome from Westpac and everyone who has helped you along the way.