Buying guide

Buying guide: How much to offer on a house

Some tips on finding that sweet spot.

I’m buying a house, how much should I offer?

1. Knowledge is power

Research property

Property tools and information to help you research the market on homes.co.nz.

Search now

Trade Me Property Insights is a free tool that allows you to research and track home values.

2. Think hard about what you’re willing to spend

Think hard about what the maximum amount you can spend, without getting yourself into financial difficulty.

3. Know when to call it quits

Discover More

Houses in New Zealand

Property value NZ: Check your house value online

Get a better understanding of property value across New Zealand

bach as seen from outside

‘It’s time for life and laughter to fill the bach again’: Architect’s retreat and boatshed listed 30 years on

This two-level bach at Maraetai Bay in Queen Charlotte Sound was designed by the late architect Jonty Rout.

Advice & Tools

PROPERTY NEWSLOOKING TO BUYTHINKING ABOUT SELLINGHOME INSPIRATION

Search

Other articles you might like

Illustration of a competitive first home buyer market
Buying guide | 4 min read
8 tips from agents to help first home buyers compete

A less competitive market still has its challenges for first home buyers and good homes, so listen up.

Exterior photo of 17 Bond Street
Buying guide | 4 min read
9 tips on winning in a multiple offer situation

In a highly competitive market, take the time to learn some key buying tips for standing out from the rest.

Couple buying their first home
Buying guide | 4 min read
The complete beginner's guide to buying a house in New Zealand

Your 7-step guide to buying a house with clarity and confidence

22 October 2025

Start a listing icon
Start a listing
Watchlist icon
Watchlist
Favourites icon
Favourites
Sign up icon
My Trade Me
© 2026 Trade Me Limited