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Paperwork Checklist: Gathering The Documents Essential For A Sale

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Selling your property can be an exciting journey, but it’s also one that requires careful preparation—especially when it comes to your paperwork. Having the right documents in order before listing your home not only helps you avoid surprises during the sale but also ensures a smooth and stress-free process for both you and potential buyers. Here’s a comprehensive guide to help you get started.

Why Preparing Paperwork in Advance is Crucial

Buyers and agents expect transparency. By having your documentation ready upfront, you’ll be prepared to address any questions and demonstrate that your property is a solid investment. Additionally, legal and logistical issues discovered later could delay or derail the sale.

Below, we’ve outlined a checklist of essential documents and checks every homeowner should tackle before putting their property on the market.

Essential Paperwork to Prepare

1. Land Information Memorandum (LIM) Report

A LIM report provides detailed information about your property, including zoning, building consents, drainage, and any risks such as flooding or erosion. It’s an invaluable resource for buyers and a key document in the selling process.

  • When to order: At least one month before listing your property.
  • Who to send it to: Your solicitor for review and inclusion in the sales documentation.
  • Where to get it: Request it from your local council.

2. Certificate of Title

This document proves ownership of the property and outlines any easements, covenants, or restrictions that apply. Ensure it’s current and accurate before proceeding.

  • Tip: Request this through your solicitor or directly from the Land Registry.
  • Where to get it: The Land Information New Zealand (LINZ) website or through your solicitor.

3. Cross-Lease Flats Plan (if applicable)

For cross-lease properties, it’s essential to check the flats plan. This is a diagram that details the layout of the property, including boundaries and structures. Confirm it’s correct and matches the current state of the property.

  • Common issues: Unapproved extensions or boundary discrepancies can cause complications.
  • Where to get it: Included with your title documents or from your solicitor.

4. Building Consent Documentation

Ensure you have records for all building work that required consent, such as renovations or extensions. Missing consents can cause delays or lead to renegotiations with buyers.

  • Where to get it: Your local council or building authority.

5. Rates and Utilities Records

Buyers will want confirmation that there are no outstanding rates or utility payments. Prepare recent statements or obtain a clearance certificate from your council or service providers.

  • Where to get it: Contact your local council and utility providers for statements or clearance certificates.

6. Warranties and Guarantees

If your home includes any recent work (such as roofing or electrical installations), gather warranties and guarantees. These add confidence for buyers and can be a selling point.

  • Where to find them: Check with contractors or companies that carried out the work.

Key Property Checks to Complete

1. Check for Outstanding Issues

Review your property records to ensure there are no unresolved issues, such as:

  • Building or resource consent breaches.
  • Unauthorised additions or changes.
  • Outstanding council notices.

  • Where to check: Your local council or property file.

2. Flood Zone Maps

Buyers often check flood risk areas, so it’s a good idea to look up your property’s flood zone status. This information is typically available through your local council or LIM report.

  • Where to check: Council websites or your LIM report.

3. Boundary Accuracy

Verify that the physical boundaries of your property match the legal boundaries outlined in your title. If discrepancies exist, you may need to address them with a surveyor.

  • Where to check: Your Certificate of Title or consult a licensed surveyor.

4. Chattels Inventory

Prepare a list of chattels (items included in the sale, such as curtains or appliances). Clearly specify what stays and what goes to avoid confusion or disputes.

  • Where to start: Review your home’s fixtures and fittings, and consult your agent for advice on common inclusions.

A Handy Checklist for Sellers

To summarise, here’s a helpful checklist to ensure you’re fully prepared:

  1. Order a LIM report and send it to your solicitor.
  2. Obtain a current Certificate of Title.
  3. Verify the cross-lease flats plan (if applicable).
  4. Gather all building consent documentation.
  5. Confirm no outstanding rates or utility payments.
  6. Collect warranties and guarantees for recent work.
  7. Check for unresolved property issues.
  8. Look up flood zone maps and risk factors.
  9. Verify property boundaries.
  10. Prepare a clear chattels inventory.

Final Thoughts

Being organised with your paperwork and property checks before selling not only saves time but also boosts buyer confidence. By addressing potential issues early, you’ll minimise delays and be better positioned for a successful sale. Remember, your solicitor and real estate agent are there to guide you—don’t hesitate to seek their advice throughout the process.

With everything squared away, you’ll be ready to focus on the exciting next chapter ahead. Good luck!

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