Buying your first home can feel like learning a new language under pressure, and the sale and purchase agreement is where that pressure peaks. We open the contract and walk you through the parts that matter most—names, price changes, deposits, conditions, and the one date that starts your finance clock—so you can move from uncertainty to control without blowing your timeline or budget.We dig into why your purchaser name has to match your ID and loan documents exactly, how to handle counters and initials without voiding your deal, and what to do when the default 10% deposit clashes with a KiwiSaver-funded reality. You’ll learn how to rewrite the deposit clause to reflect a 5% or fixed-dollar deposit, direct funds to the vendor’s solicitor’s trust account, and avoid common traps at auction, tender, and deadline sale. We also break down solicitor undertakings for early KiwiSaver withdrawal, realistic processing timeframes (five to fifteen working days), and how to set dates that won’t trip you up when providers move at different speeds.Then we step through the conditions appendix—where finance, builder’s reports, valuations, LIMs, and sale-of-your-home clauses live—and talk frankly about domino chains where multiple parties must go unconditional in sequence. We share practical negotiation tips for fast settlements, small cash deposits with KiwiSaver top-ups, and why as a buyer you should never date the agreement yourself. Your broker can set your budget and loan structure, your agent and solicitor can shape your clauses, and together they keep your deal stable from offer to settlement.If you’re a first-home buyer in New Zealand using KiwiSaver, this episode is your field guide to a cleaner, calmer contract. Subscribe, share with a friend who’s house-hunting, and leave a review with your biggest S&P question—we’ll tackle it in a future show.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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