How do I actually make an offer on a property?
[dsm_breadcrumbs home_icon="%%236%%" disabled_on="off|off|off" _builder_version="4.24.3" _module_preset="default" items_text_color="#272947" home_icon_text_color="#272947" separators_text_color="#272947" current_text_color="#4dbf8c" custom_margin="||||false|false" custom_margin_tablet="||0px||false|false" custom_margin_phone="" custom_margin_last_edited="on|desktop" global_module="276953" saved_tabs="all" global_colors_info="{}" items_text_color__hover_enabled="on|hover" items_text_color__hover="#4dbf8c" theme_builder_area="post_content"][/dsm_breadcrumbs][et_pb_divider show_divider="off" admin_label="Blue Divider" _builder_version="4.16" max_width="50px" height="0px" custom_margin="44px||37px|" custom_margin_tablet="20px||30px|" custom_margin_phone="" custom_margin_last_edited="on|tablet" global_colors_info="{}" theme_builder_area="post_content"][/et_pb_divider]
Here’s a Video of an Offer I made to secure an Off the Plans Build recently.
Do not text the agent your offer. Do not simply email the agent your offer. You need to put pen to paper if you are serious and ask the agent for a copy of the S&P agreement (Video below)
A Sales and Purchase Agreement is a legally binding contract for the purchase or sale of a property between the buyer and the seller.
It contains the Terms and Conditions and all other details of the actual sale including prices, settlement dates, access clauses and any other conditions you may add.
Everything is negotiable. Even the chattels.
Essentially there are two (2) types of offer. It is up to the buyer and the seller which type they will use in the purchase and sale of the property.
Conditional Agreement
This type of contract is the most common. It requires conditions to be met before the sale of the property such as building inspections, finance being approved and several other clauses that may be of requirement.
This is essentially your get out of Jail free card.
Unconditional Agreement aka ‘Cash Unconditional’
This type of contract, on the other hand, has no conditions attached to the sale. However this also means that when the buyer signs the contract, they can no longer terminate and must proceed to settle the contract based on the terms.
Since an unconditional contract is also not Subject to Finance Approval, this also means that even if the bank does not approve your loan, your contract cannot be terminated.
You are required to settle by any means possible… did anyone say ‘non bank lender?
I’ve had to save a few people who thought they had unconditional finance approval then in turn found out that they did not. The bank changed their mind yet they had already gone unconditional on the agreement!!
Check out the Video for a more detailed explanation
[et_pb_video src=”https://youtu.be/bq2BwmEEfF8″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_video]
See what our clients have to say
Nick Turner-Wright
9/17/2025
Has been a great experience working with Matt and his team. Have managed to get us better than the desired results so far
read moreread less
Matt and has team were wonderful to work with when buying our first home. Made the process a lot less daunting than it otherwise would have been. His team were very friendly and kept us up to date. And Matt has awesome knowledge to teach us which you could see his passion. Would highly recommend to anyone.
read moreread less
Matt and his team are the best around ! We had a tricky deal that was hard to make happen and they went above and beyond for us ! 100 percent would recommend and will be using again!!!
read moreread less
We first worked with Matt Willoughby and the team at OneStop a couple of years ago as first home buyers, and they were absolutely fantastic. They made what felt like the impossible happen and helped get my partner and me over the line.
Since then, we've continued working with them including taking the plunge into "adulting" by sorting out both life insurance and health insurance. Matt and the team made the whole process simple and easy to understand, walking us through every step.
We've now used them for all our insurance needs over the years, and they’ve always gone above and beyond. Such a great team and genuinely helpful, professional, and always with your best interest at heart. Couldn't recommend them more highly!
read moreread less
Matt was absolutely fantastic to work with! He made the whole mortgage process smooth, stress-free, and easy to understand. His communication was prompt, clear, and professional every step of the way, and he truly went above and beyond to get us the best possible outcome. We felt supported and informed throughout the entire process. We can’t recommend Matt highly enough—thank you for all your help!
read moreread less
Matt and the team at OneStop made purchasing our house easy and stress free for my family and I. Would definitely recommend getting in touch with Matt for your next/first house purchase.
read moreread less
Lavinia Akauola
4/07/2025
Matt is super easy to talk to and really kind. He takes the time to understand where we're coming from and gives helpful feedback and advice that actually fits our situation.
read moreread less
Great friendly service, highly recommend them.
read moreread less
We achieved results by getting the loan amount we wanted and expert advice on interest rates and how to add value to the investments. Always be working with Matt and the team.
read moreread less
Thanks team. OneStop did a great job guiding us through the process of getting our home loan sorted out. The financial advice and support through the process were spot on.
read moreread less
Brilliant advice and help from Matt. Was a massive help for us in our journey to buying our first home. Will definitely recommend for anyone.
read moreread less
Best service from smart people
read moreread less
Matt and Rue saw our vision and heart from the start. We were never left wondering about the next step as they explained things so simply. They were professional yet personable and always available, night or day:) We could not have bought our dream home without them. I would highly recommend this incredible team.
We're so grateful for them.
Belinda and Christopher Beukes, Manawatu New Zealand
read moreread less
Matt and his team were brilliant. They helped out, and answered every question I had every step of the way. And with their help and knowledge, I was ultimately able to make "what previously seemed to only be a dream" turn into a reality! And that was to purchase my first property! At the ripe age of 47 I may add 🙂. Thanks again for everything guys! Yous rock!
read moreread less
Matt has stuck with me after some ups and downs,a couple of banks and we got there, I was great full for the let's try again, try another bank and I got there. Fully recommend 🙂
read moreread less
Matt and his team are amazing! Would recommend them to everyone.
read moreread less
Matt and his team were absolutely amazing. We highly recommend them. Communication was amazing, we couldn't have bought our house without them.
read moreread less
Excellent service. I highly recommend Matt and his team A+
read moreread less
