Settlement: what happens after you go unconditional

Helps you know what your lawyer, bank and the seller's side are doing before you get the keys.

• After you go unconditional, your lawyer checks the title and your lender prepares the loan papers.
• Arrange insurance from the day the contract goes unconditional and send proof to your lender.
• Use your right to inspect before settlement to check the property is in the agreed condition.?What does Settlement mean?
• Your lawyer and the seller's lawyer agree a settlement statement; check it with your lawyer before settlement day.
• Start power, gas, internet and mail changes ahead of time, and ask about KiwiSaver withdrawal timing early.

Check the details. Check dates, funds and your settlement statement with your lawyer and your lender.

Official pages

• LINZ Landonline
• Consumer Protection

Shortened from a Berry article first written 2026-05-16. Figures we could not check against a public source were taken out. This is general information, not advice.

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