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First home or next home?
Different journeys, same care needed. Countless transactions each year across Hawke's Bay and beyond.
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
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
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."
Agreement Review
Before you sign, when changes are still possible. We explain the conditions, identify concerns, and ensure you understand your obligations.
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
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.
Settlement Day
Fund transfers, registration confirmation, keys collection. Welcome home.
The finish lineFreehold, cross-lease, unit titles and leasehold explained
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.
Buying
Agreement review, due diligence, finance coordination, and settlement. We handle first homes through to investment properties.
Selling
Pre-listing title review, agreement negotiation, requisition handling, mortgage discharge, and prompt settlement proceeds.
Refinancing
Switching lenders or restructuring your mortgage. We coordinate between banks to ensure a smooth transition.
Investment Properties
Tenancy agreement review, Healthy Homes compliance, bright-line tax awareness, and ownership structure advice.
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."
"Really professional and helpful. Kept me informed throughout the whole house sale process & made it way less stressful than I thought."
"Seamless & efficient service as always."
To ensure candour, all feedback was collected anonymously.
Related Reading
Buying at auction in New Zealand
Property auctions are unconditional and binding. Understand how auctions work, what you must do before auction day, and the risks involved before you bid.
When Family Helps with the Deposit
Bank of Mum and Dad? We explain gift vs loan structures, property sharing agreements, and protecting family contributions.
Legal Fees Explained: Understanding Conveyancing Costs
What does conveyancing cost? We explain the work involved, typical third-party disbursements, and factors that affect complexity.
Meet the people behind
your property journey
Handling countless transactions each year across Hawke's Bay.
Common Questions
Most transactions settle four to six weeks after the agreement becomes unconditional. However, this depends on what buyer and seller agree. Shorter settlements are possible; longer settlements can accommodate particular circumstances.
We can suggest inspectors we know to be thorough and reliable. However, you should choose your inspector independently. They work for you, not for us.
Your options depend on your agreement conditions. Usually, you can negotiate with the vendor (price reduction, repair before settlement), or if the issues are serious enough, you may be able to withdraw from the purchase. We advise on what the agreement allows.
That depends on your circumstances. Asset protection needs, relationship status, lending requirements, and long-term plans all factor in. We discuss the options and help you decide what's appropriate.
A CCC confirms that building work has been completed in accordance with the building consent. Properties built or altered since 1991 should have CCCs for that work. Missing CCCs can indicate unconsented or non-compliant work.
No. We handle settlement on your behalf. You'll need to have signed documents beforehand and ensured funds are available, but settlement itself is managed between the lawyers.
Yes. We regularly assist buyers who aren't in Hawke's Bay. Documents can be signed overseas with appropriate witnessing, and we manage the process remotely. However, you'll need to consider how you'll arrange property inspections and viewings.
Your property purchase is just the start
Protect your investment with these related services.
First Home Buyer's Guide
New to buying property? Follow our step-by-step guide through the purchase process.
Read the GuidePreparation is Key
Get organised before you start searching
02Understanding Property Titles
Freehold, cross-lease, unit titles and leasehold explained
03Check the Title
What to look for in a title search
04Easements, Caveats & Covenants
Understanding restrictions on your property
05Finance and Affordability
What the bank expects and what to budget for
06When Family Helps
Gifts, loans, and co-ownership arrangements
07LIM Reports & Inspections
Understanding LIM reports and building inspections
08Making an Offer
Conditional vs unconditional offers and how to protect yourself
Ready to discuss your needs? We're here to help.