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Residential Property

First home or next home?

Different journeys, same care needed. Countless transactions each year across Hawke's Bay and beyond.

Your Journey

First Home vs Next Home

Different considerations for each. We help you navigate whichever path you are on.

First Home

Everything is new. We provide extra guidance because you don't know from last time.

  • KiwiSaver withdrawal coordination
  • First Home Loan eligibility guidance
  • Plain English explanations of every step
  • Family deposit protection advice
Start the first-home guide →

Next Home

Upsizing, downsizing, or relocating. You know the basics, but each transaction has its own complexities.

  • Simultaneous settlement coordination
  • Bridge financing arrangements
  • Conditional offer timing strategies
  • Retirement village entry considerations
Talk to us about your move →
From Agreement to Keys

What happens after you find the one.

The real work starts once you've found a property. Before you are legally bound, you need to understand exactly what you are buying.

"We can review your agreement the same day you send it."

Paul Morgan, Consultant at Carlile Dowling
Same-Day Service
1

Agreement Review

Before you sign, when changes are still possible. We explain the conditions, identify concerns, and ensure you understand your obligations.

2

Due Diligence

Title searches, LIM review, building report analysis. We identify issues with unconsented work, easements, boundaries, or outstanding charges, flat plan and lease review.

  • Title searches and encumbrances
  • Council LIM review
  • Building report implications
3

Pre-Settlement

Finance documentation, transfer documents, coordination with your bank, the vendor's lawyer, and all other parties. Making sure everything aligns for settlement day.

4

Settlement Day

Fund transfers, registration confirmation, keys collection. Welcome home.

The finish line
Know What You are Buying

Freehold, cross-lease, unit titles and leasehold explained

Read the complete property guide

Freehold

Full Ownership

You own the land and buildings outright. We check easements, covenants, and encumbrances that may affect your use.

Cross-Lease

Shared Land

Shared ownership of the underlying land. A 999 year lease of the house.

Unit Title

Body Corporate

Apartments and townhouses. We review body corporate records, levies, and long-term maintenance plans.

Leasehold

Hawke's Bay Heritage

Common in Napier since the 1931 earthquake rebuild. You own the building but lease the land. Ground rent reviews, renewal terms, and freeholding options require expert analysis.

How We Help

Buying

Agreement to Keys

Agreement review, due diligence, finance coordination, and settlement. We handle first homes through to investment properties.

Selling

Preparation to Proceeds

Pre-listing title review, agreement negotiation, requisition handling, mortgage discharge, and prompt settlement proceeds.

Refinancing

Bank Transitions

Switching lenders or restructuring your mortgage. We coordinate between banks to ensure a smooth transition.

Investment Properties

Landlord Considerations

Tenancy agreement review, Healthy Homes compliance, bright-line tax awareness, and ownership structure advice.

Client Observations

What Our Clients Say

"Absolutely happy with our experience at Carlile Dowling. We are so fresh and new to all this legal stuff especially being our 1st home. You made everything easy to do and understand for us."

First home buyer

"Really professional and helpful. Kept me informed throughout the whole house sale process & made it way less stressful than I thought."

Property client

"Seamless & efficient service as always."

Repeat client

To ensure candour, all feedback was collected anonymously.

Common Questions

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First home? We'll guide you through

We've helped countless first-home buyers. You are in good hands.

We handle the legal. You handle the move.

Selling is stressful enough. Let us take care of the paperwork.

Buying your first home?

We'll make sure everything is done right.

Ready to get started?

We're here to help. Get in touch for clear, practical advice.

Let's talk about your situation

Every situation is unique. Get in touch to discuss how we can help.

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