Offer accepted. %%Now what%%?
Stage P2 of the 3Ps framework. The legal review, LIM report, building report response, KiwiSaver withdrawal, and bank-specific approval work that happens between signing and going unconditional. Most common place first home buyers feel rushed.
What happens between signing and unconditional.
The conditional period is where the most technical legal work happens. Here's what we handle while you're under contract.
Written legal review of all documents
LIM report, title, Agreement, building report, valuation. Red flags identified and explained.
Bank-specific approval and mortgage docs
Finance approval converted to unconditional approval. Loan and security documents signed.
Finalise insurance certificate
Insurance in place and noted with the lender as an interested party.
Begin or prepare KiwiSaver withdrawal
Starts as soon as the contract is signed. 10–15 working days for funds to arrive.
Two options for witnessing signatures — Option A with your lawyer, Option B with a Justice of the Peace.
Two options for witnessing signatures — Option A with your lawyer, Option B with a Justice of the Peace.
Satisfy or waive conditions
Every condition ticked off or formally waived. Contract becomes unconditional.
Warning: don't rush this stage
Pressure to go unconditional too early is the single biggest risk in P2. We pace it correctly.
Angus Grayson, LLB
Progress is the busiest stage for me. Everything happens at once — documents, finance, insurance, KiwiSaver — and there's always pressure to declare unconditional before the work is actually done. This stage of the framework is how we stop that.
Send me the guide.
The conditional period is where the most technical legal work happens. Here's what we handle while you're under contract.
Before you download.
How long does the Progress stage usually take?
Most contracts give 10–15 working days for conditions. We run the legal review within 48–72 hours of signing, then manage the bank and KiwiSaver workstreams in parallel.
What if I find a problem with the LIM or building report?
We negotiate — price reduction, pre-settlement fix, or walk-away. See our Negotiating Building Report Issues playbook for the three paths.
Do I have to use HouseMe Legal's KiwiSaver process?
No. We use our own checklist because it's battle-tested, but any KiwiSaver provider will process withdrawals on their own forms.
Can I go unconditional early?
Yes, but we'd usually advise against it. Conditions exist to protect you. Waive them only when every check is complete.