Keys by Christmas sounds magical until you hit the holiday slowdown. We pull back the curtain on what really happens across New Zealand’s property pipeline in late December and early January, from lawyers and valuers logging off to banks and KiwiSaver providers running skeleton crews. If you’re house hunting right now, this guide will help you avoid calendar traps, secure smarter clauses, and move with confidence instead of panic.We map the seasonal bottlenecks and show how a simple change—extending your finance clause to 15–20 working days—can save your deal. You’ll hear why low‑deposit buyers often need registered valuations, how council closures stretch LIM turnaround, and what to expect from real estate agents, tradies, and advisers over the break. For first‑home buyers, we break down KiwiSaver withdrawal timing, certification requirements, and why getting a solicitor on board early matters more than ever when offices shut from late December to around 12 January.Once you’re unconditional, the bank still needs time to prepare loan documents. We explain realistic timelines for early‑January versus late‑January settlements, plus a simple reverse‑plan you can copy to keep every piece moving. To finish, we run a practical settlement checklist: confirming rates and direct debits, booking power and gas, and securing your internet connection before the rush. Calm beats chaos when the industry pauses; with clear expectations and a plan, you can glide into your new place without New Year stress.If this helped you navigate the holiday market, follow the show, share it with a friend who’s buying, and leave a quick review so others can find it too.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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