Quick Purchase Support
Signed a sale and purchase agreement? Let's get you unconditional before your finance date.
Four taps tells us where you're at. If we can get you approved in time, an adviser picks it up the same day.
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Signed a sale and purchase agreement?
Four taps tells us whether we can get you unconditional in time. Here's what happens next:
- An adviser reads your answers the same day
- We tell you straight whether your finance date is achievable
- We package the application for the lender most likely to say yes, fast
- You, your lawyer and your agent hear from us at every step
Free. Lenders pay us when a loan settles, and you're never obliged to proceed.
Not signed yet? If you're still looking and want to make offers with confidence, start with Mortgage Pre-Approval instead.
Thanks. We'll pick this up today.
An adviser will call during business hours. Deadline this week? Pick a 15-minute time below and it's locked in.
Pick my 15-minute timeHave your signed agreement handy when we talk. The finance condition date is the first thing we'll ask for.
The Details
The short version, and the best reading
Plenty of good explainers already exist. Rather than write another one, here is what matters at each step, in a few lines, with the clearest neutral sources we know of if you want the detail.
Pre-approval vs unconditional approval: what's the difference?
A pre-approval is a lender saying it will probably lend you up to an amount, subject to the property and to nothing changing. Unconditional approval is the binding yes for one specific property, issued once the lender has the signed agreement, any valuation it wants, and your latest payslips. Only the second one lets you safely confirm your finance condition. Banks have also been cancelling old pre-approvals, so treat yours as a starting point, not a guarantee.
Best reading: Settled.govt.nz on confirming your finances (the government guide, short and neutral).
How long does unconditional finance approval take in NZ?
With a current pre-approval and a straightforward property, three to five working days is typical. Starting from scratch after an accepted offer, allow seven to fourteen days. Self-employed income, trusts, multiple properties and non-bank lenders each add a few days. Auction purchases are unconditional on the day, so every check has to happen before you bid. A packaged application sent to the right desk is the main lever a broker has to shorten this.
Best reading: MoneyBalance's stage-by-stage timeline and Opes Partners on what slows approvals down.
How long should the finance condition be?
Ten working days is the standard. Ask for fifteen if you are using KiwiSaver, if the lender will want a valuation, or if your income is not simple PAYE. Two-day finance conditions were once common and are no longer realistic after the lending-law changes. Negotiate the timeframe before you sign, because you will be asking the vendor for a favour if you need more later.
Best reading: NZ Legal on purchaser conditions and Rainey Collins on finance timeframes since the law change.
What if I'm going to miss my finance date?
Ask for an extension early, in writing, through your lawyer, and before the deadline passes. The vendor can say no, especially with a backup offer waiting. Since the tenth edition of the standard agreement, a finance condition is not a free exit: to cancel on finance you need evidence you were declined, usually a letter from the lender. Letting the date lapse without a decision is the worst outcome, so talk to your lawyer and your adviser the moment a delay looks likely.
Best reading: McIntyre Dick on the 'subject to finance' clause change.
Going unconditional: what has to be done first
Finance is one condition among several. Before you confirm, you will usually want the LIM, a builder's report, insurance arranged from settlement, and a valuation if the lender asks for one. Once you go unconditional the deposit is no longer refundable, so the order matters: reports first, finance confirmed last.
Best reading: The First Home Buyers Club's going-unconditional checklist.
Deadline this week? Start with the four questions.
No prep needed. We'll tell you straight whether we can get you approved in time.
What we need from you today
To move at deadline speed, have these ready when we talk:
- Your signed Sale & Purchase Agreement — including the finance condition date
- Photo ID — driver licence or passport
- Your last 3 payslips — or the last 2 years' financials if you're self-employed
- 3 months of bank statements — every lender asks for these
- Evidence of your deposit — savings, KiwiSaver, or a gifting letter
Don't have everything to hand? Send the four questions anyway — we'll tell you exactly what your lender needs and chase the rest alongside you.
How the bank sizes your borrowing
Income, expenses and the stress test — the four-minute version of what happens to your application.
Our 5-Step Process for Signed Agreements
We built this process for one purpose: to get you from "signed" to "unconditional" with speed and certainty.
Urgent Review
We immediately assess your signed S&P agreement, your finance deadline, and your current financial position. We identify any potential hurdles from the start.
Fast-Track Application
Your application is prioritised. We professionally structure your file, highlighting your strengths to the right lender for the quickest possible assessment.
Direct Lender Engagement
We don't just use a generic inbox. We leverage our deep relationships and direct contacts at the banks to get your application seen and actioned by the right people, quickly.
Clear Communication
We keep you, your real estate agent, and your lawyer informed every step of the way. You will know exactly where your application stands, removing the stress of the unknown.
Unconditional Approval
We work tirelessly to secure your unconditional approval *before* the deadline, giving you the green light to secure your property and move forward with confidence.
Signed S&P questions we get asked
Close enough that most people use the words interchangeably. Both mean the lender is willing in principle, subject to the property and to your position not changing. Neither is the binding yes. That is unconditional approval, which is specific to the property you have signed for.
Often, yes, for two reasons. A complete, well-packaged application goes to a lender's specialist desk rather than the retail queue, and an adviser knows which lender's policy fits your situation, so the first application is the one that gets approved. Neither trick beats a lender that is simply backed up, which is why we tell you straight if a date is not achievable.
Sometimes. A decline from one bank is not a decline from all of them, and non-bank lenders assess differently again. Keep the decline letter, because if nothing can be done in time it is the evidence you need to cancel on the finance condition. Then talk to us the same day.
Nothing. Lenders pay us when a loan settles, and you are never obliged to proceed with anything we find.
That's the process. The clock is already running.
Send the four questions and we'll pick it up today.