Buying a property is one of the biggest financial decisions most people will ever make. Whether you’re a first-home buyer, upgrading, or purchasing an investment, understanding the process can help you buy with confidence and avoid costly mistakes.
At Ray White Marshland, we work with buyers across Marshland, Christchurch, and the wider Canterbury region, guiding them through each stage of the journey.
Step 1: Understanding Your Financial Position
Before attending open homes, it’s important to have a clear understanding of what you can afford.
This includes:
Speaking with a mortgage adviser early can help you understand your options and secure a pre-approval, giving you confidence and credibility when it comes time to make an offer.
Step 2: Defining Your Property Goals
Every buyer’s needs are different. Taking the time to clarify what you’re looking for will help narrow your search and avoid decision fatigue.
Consider:
In areas like Marshland and surrounding Canterbury suburbs, properties can vary significantly, so clarity is key.
Step 3: Understanding the Local Market
Market conditions differ across Canterbury and can change quickly. Understanding current buyer demand, pricing trends, and competition levels helps set realistic expectations.
A local real estate professional can provide insight into:
This knowledge helps you make informed decisions rather than emotional ones.
Step 4: Making an Offer
Once you’ve found the right property, preparation matters.
Depending on the sale method, you may be submitting an offer by negotiation, deadline sale, or auction. Each requires a different approach, which is where professional guidance is invaluable.