So you want to buy a house in Auckland?

So you want to buy a house in Auckland?

It’s funny that buying a house is one of the most stressful times in life, and a time when you’re also forced to deal with all sorts of horrible people – realtors, bankers, lawyers. (I don’t say that in a mean-hearted way; I was once a journalist, one of the most reviled jobs on the most-hated professions list every year.)

Why do you think there are so many adverts on daytime TV for personal injury? Well the simple answer is that in this day and age everything is moving at a fast pace. Everyone is too busy and mistakes are often made. There is a lot more traffic on our roads, people busy trying to get to work, pick kids up from schools or go home. In this rush people can get careless either in their driving, at their work place, in their profession or in the mass production of products.

Whatever the case, the carelessness or neglect of other people, companies or organisations can result in, innocent people, sustaining an injury or acquiring damages/losses. There has never been a time when so many personal injury claims have been made, and there is nothing wrong with that, because it is your right to seek compensation when you sustain a Personal Injury | Grafe & Batchelor, from the neglect and carelessness of other people.

With the boom in claims comes the rise in injury lawyers. Where there’s an increase in demand there’s an increase in supply, thus resulting in more and more personal injury lawyers competing for your custom. Compare Compensation Claim’s main objective is to help people, who wish to pursue a claim and make this whole process a lot simpler and more beneficial for them. The professional personal injury lawyers are trained to handle these legal issues which can crop up while making a compensation claims. Broadly speaking there are two types of personal injuries. A personal-injury can be a physical injury, illness, disease, a psychological illness or injury.

A physical injury can be a result of a traffic accident, injury at work, injury caused by using faulty goods or services, or an injury caused by tripping and falling. Psychological injury causes stress or discrimination at work or as a victim of a crime. Physical and psychological injury can also result in receiving the wrong treatment in hospital or vaccinations. Personal injuries can cause permanent disabilities and death.

With that information, estate planning attorneys can then explain to you the best alternatives for seeing that your estate is handled as you wish. They will not only discuss wills and trusts; they will present options which you can employ immediately to lessen the taxes and probate costs on your estate. You can navigate to this website for the Estate Planning.

Estate planning attorneys can also advise you as to whether or not any personal changes in you life will require a change in your estate plan. If, for instance, you are widowed or divorced, in you later years, and considering remarriage, you should be aware that there may be consequences for your estate.

Should you remarry late in life, you and you spouse will be responsible for the costs of each other’s long-term health care should one of you be placed in a nursing home.

In the UK, a claim for compensation for personal injury applies for three years of sustaining the injury. In case an eighteen year old receives a personal injury he/she must file a claim before reaching the age of twenty-one. The most common type of personal-injury incurs due to traffic accidents.

The good ones make things easy and I think I got off fairly lightly on that front! I would definitely use my KLG Estate Planning & Probate Attorneys again. (Alas, we do not have buyer’s agents in NZ.) You’d think it would be quite rewarding, too, helping people achieve a big dream and being involved in part of that happy (if stressful) process. You can browse this site for more about the NC planning. All successful estate planning is the result of several professions working together for the good of the client. However, professionals of one group sometimes have misconceptions of professionals belonging to other groups.

For example, the financial advisor may see the estate planning attorney as little more than a document scrivener. But this is far from the truth. Many attorneys who limit their practice to estate planning are values-based, relationship-driven, client-centered and counseling-oriented.

And the good ones are willing to work together with other professionals on your behalf. They understand that thorough estate planning involves more than just legal advice. The key is to find those attorneys who meet this description. They’re only in our lives for a brief stretch of time, but it’s such a significant period. At thе Lаw Offісеѕ оf Norman Homen оur gоаl іѕ to рrоvіdе іnjurеd clients wіth thе bеѕt rеѕultѕ іn a timely and cost-effective mаnnеr. As a personal injury attorney and the founder of the Jason Stone Firm, He always knew that he wanted to fight for the rights of injured victims, Click here Jason Stone Injury Lawyers Westwood for more details.

The police records any personal-injury caused due to a traffic accident. In case of a personal accident occurring at the work place, the employer must record the accident in a record log of the organisation, if there is a personal, injury due to use of a faulty appliance. The store from where the appliance must be informed. You must also inform your insurance company of any personal injury that you have sustained. You must also report a personal-injury to your doctor. A personal-injury if not paid heed to, can lead to further complications latter on.

You must gather all the evidence that you sustain in a injury. Presenting complete evidence will help you in making a claim for compensation. Even if you do not file a claim for compensation it’s still advisable to keep the evidence with you. Psychological injury is also counted as physical injury. If you are harassed or stressed in your job, abused, or ridiculed by your peers or superiors, these can cause psychological injuries. Psychological injuries are also counted as personal injuries and are compensated for.

Home accidents also count as physical injuries and you can claim compensation for them. Claim in case of a home accident will depend on the nature of the accident. In case, the injury was caused by poor workmanship or using a faulty appliance, you can claim compensation. Personal injury does not necessarily have to be claimed by the victim. A relative of the victim can also file a claim on the victim’s behalf. If a person suffers permanent disability or dies due to a personal injury, the spouse or children can claim compensation.

That said, I encountered NO END of awful agents and nightmarish properties.

Allow me to rant a little about…

The houses themselves

There are so many damn things to watch out for, the most obvious being leaky homes. But then there’s also all sorts of other materials to be wary of. Asbestos in older houses. Weatherside (I’d never heard of it before), a cladding that looks just like hardiplank but not as sturdy, and falls apart.

Then there’s unconsented work to look out for, or things that don’t match the plans.

I wasn’t opposed to buying a do-up, but do-ups need to be affordable enough in the first place to make financial sense (because you still need to pay for all the renovations!) and in no case did the prices stack up. Plus there were basically no “light” do-ups. They were universally in dire need of a total overhaul… and when you’re spending half a million dollars, you want it to be somewhat liveable off the bat.

And other stuff

I lost count of how many times I turned up to an open home (or emailed about a listed property to organise a viewing) only to be told that it was already under contract. Look, I get why they continue to do showings when an offer is still conditional, but I think it’s lame not to be upfront about it, when it’s rare for contracts to fall through. I can only think of about one instance where I saw the actual house listing had been edited to say “under contract” online, in every other instance it was a case of ‘surprise’!

Speaking of agents, not to tar ‘em all with one brush, but the majority I had the misfortune of crossing paths with were useless. Can’t tell you anything, or won’t tell you anything – well, I’m not going to get a lawyer to check the plans or a builder to inspect the place for every single house I have a modicum of interest in!

I suspect it’s damn near impossible to actually use KiwiSaver funds toward the deposit that goes to the seller’s lawyer. They say you need at least 10 days to process the withdrawal, and that’s a long time. I only had five days to go unconditional – my KiwiSaver money went toward the remaining balance for settlement.

And can I add the weird mind games that come about when bidding on a house? There were eight on this one. You’re in to win and then at the end of it all, second guessing yourself – am I paying too much?

Also, I (perhaps naively) imagined my broker would be 100% in the know and up to date with all things KiwiSaver and home-buying related. Not quite the case.

Hey, vendor’s lawyers: how about being prompt with sending through the dang statement with the final sum to settle? Do you want a deal or not? Because I want to pay you. Seriously.

Finally, dear bank: so my passport expired a week after my mortgage draw down / settlement day, and months after my initial approval, and you need an updated form of ID now? And are you seriously going to ask me for updated ID every few years?

9 thoughts on “So you want to buy a house in Auckland?

  • Reply Tricia March 31, 2016 at 03:37

    What challenges you had to overcome! Our house hunting in the States was nothing to what you had to face. Please keep us updated on your home, and whether it’s everything you’ve imagined home ownership to be. Best to you!

  • Reply Cassie March 31, 2016 at 07:22

    It sucks how hot markets bring out the laziest of the lazy, isn’t it? We run into that here too. Funny how they’re more willing to bust their ass once the market finally turns on them.

  • Reply The Personal Economist March 31, 2016 at 11:19

    Oh gosh it is frustrating and stressful! I swear they make it harder than it needs to be. We had a family friend who was a builder and was kind enough to talk us out of buying a few places. Congratulations on your milestone!

  • Reply The Personal Economist March 31, 2016 at 11:22

    It is so frustrating and stressful!
    We were fortunate enough to have a builder friend who talked us out of buying a a lot of places the real estate agents said were ‘fine’.
    Congrats on the milestone and enjoy your place.

  • Reply Life We Learn March 31, 2016 at 11:59

    I didn’t know you could access your retirement savings in NZ to buy your first home. That is very handy. We are only allowed to access ours here in Australia when we reach “preservation age” or for special circumstances like severe financial hardship or have a specific medical condition.
    When the market is booming, real estate agents couldn’t care less. We have experienced the same thing here. However, when the market starts to slow down, they are constantly calling you, go figure. That said, we have come across a few that are very professional too, so there are some good ones out there.

  • Reply Taylor Lee @ Yuppie Millennial April 1, 2016 at 01:50

    We dealt with all the exact same nonsense for our house search in the US (except for the KiwiSaver stuff, for obvious reasons). Especially the multiple-bid nonsense. I cannot tell you how many times we were outbid by like $50,000+ (offering already way more than asking) by cash buyers with no contingencies.

    Congrats on surviving and reaching this awesome goal!

  • Reply Bernie April 1, 2016 at 12:29

    Oh yes! When we were buying five years ago the amount of times we were told “you should look into that” when we would ask the simplistic if questions about a property. Real Estate agents were pretty dire it didn’t seem to matter if they were new or been doing it for years. We coukd say we wanted to it a house anywhere in the north island and they could only suggest their listing in Gore.

  • Reply SP April 2, 2016 at 04:33

    Sounds frustrating!

    I also was frustrated by the non-advice of our first realtor, the second one was a little better. But I also don’t trust them to not gloss over things and try to paint a rosy picture, even if they technically are buyers agents – because they work commission. They also were less helpful on figuring out what it would take to win it.

    We were outbid slightly, but got our house as the back-up offer – which kind of alleviated the “did we overpay?” anxiety.

  • Reply FF @ Femme Frugality April 5, 2016 at 02:44

    Ugh. I hear you on this. Luckily we have a good agent, and we’re not really rushed to buy, but it’s amazing how people Mickey mouse things in order to sell. Anticipating problems when we finally decide to close on one. Not because of anything in particular, but just because, banks…

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