h Verihome NZ - Smart Property Document Review for NZ Homebuyers
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Smart Document Review for
NZ Homebuyers

Upload your Sale & Purchase Agreement, LIM Report, or Building Inspection. Our AI identifies risks, flags legal issues, and gives you NZ-specific advice — before you go unconditional.

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NZ Risk Rules
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NZ Law Context
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Our free AI Property Score analyses flood risk, leasehold, school zones, commute, and more for any NZ address. Used by thousands of buyers to make smarter decisions.

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Process

How Verihome NZ Works

Get a free risk preview instantly, then unlock the full AI-powered analysis after payment.

1

Upload Your Documents

Upload your S&P Agreement, LIM Report, or Building Inspection in PDF or Word format. No account required.

2

Free Preview Instantly

Our NZ rule engine scans for 40+ known risk patterns and shows you a risk count plus 3 sample findings — completely free.

3

Unlock Full Analysis

Pay for the full report to get AI-powered analysis of every risk, negotiation points, and a due diligence checklist.

4

Buy with Confidence

Use your report to negotiate price reductions, request remediation, or walk away — all before going unconditional.

What we analyse

NZ Property Document Analysis

We specialise in the three key documents every NZ homebuyer must review before going unconditional.

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Sale & Purchase Agreement

We review your S&P Agreement for clauses that could leave you exposed after signing.

  • "As is where is" clause detection
  • Settlement period risk assessment
  • Penalty & finance clause review
  • Unit title & leasehold checks
  • Cross-lease & body corporate flags
🗺️

LIM Report Analysis

We decode your Land Information Memorandum to surface issues councils have recorded about your property.

  • Outstanding building consents
  • Flood & liquefaction risk zones
  • Council notices & requisitions
  • Heritage & planning designations
  • Asbestos & contamination records
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Building Inspection Review

We interpret building inspection reports in NZ context — spotting weathertightness risks and costing repairs.

  • Weathertightness & leaky building risk
  • Monolithic cladding & EIFS systems
  • Structural & foundation issues
  • Repair cost estimate totalling
  • EQC & earthquake risk context
Free Preview

Upload Your Property Documents

Start with a free preview — see your risk count and 3 sample findings immediately. No payment needed.

1. Select document type (optional)

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S&P Agreement
Sale & Purchase
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LIM Report
Land Information
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Building Report
Inspection report
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Other Document
Title, insurance etc.

2. Upload your document

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Essential Review

“What are the risks in this property?”

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  • All uploaded documents analysed
  • Every risk identified & categorised (High / Medium / Low)
  • Plain-English explanation of each issue
  • What each risk means for you as a buyer
  • What to do before going unconditional
  • 48-hour delivery
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Complete Analysis

“What does each risk cost me, and how do I negotiate?”

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  • Everything in Essential
  • Cost estimate for each risk — know your negotiation numbers
  • Specific negotiation leverage points — what to ask for and why
  • Relevant NZ legislation explained in context
  • Full due diligence checklist (10+ items)
  • 24-hour delivery
Best Protection

Premium Report

“What should I say, and what clauses should I add?”

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  • Everything in Complete
  • Word-for-word negotiation script — exactly what to say to the agent
  • Contract clauses to add — specific legal conditions to protect you
  • NZ statute references (e.g. s.36 Building Act 2004)
  • Guidance on when you need a solicitor
  • Priority 12-hour delivery
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NZ Law Context
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Important Disclaimer: Verihome NZ provides AI-powered analysis for informational purposes only. This does not constitute formal legal advice under the Lawyers and Conveyancers Act 2006. For complex transactions, consult a qualified NZ conveyancing solicitor. Refund Policy · Terms of Service

Full AI Report

Your Complete Property Analysis

Transparency

See a Real Report Before You Buy

This is exactly what you receive. Every finding is written in plain English — no jargon, no fluff.

SAMPLE
Property Legal Risk Review
📍 42 Rimu Street, Papakura, Auckland 2110
🏠 Freehold Title 📐 642 m² 🏗️ 1978 Build Complete Analysis
Verihome
Report #VH-2026-04831
Risk Scorecard
1
🔴 High Risk
3
🟡 Medium Risk
4
🟢 Low / Info
Executive Summary
⚠️
Proceed with Caution — 3 Issues Require Attention Before Settlement

Our AI analysis of your title deed, LIM report, and Sale & Purchase Agreement has identified 3 medium-risk findings and 1 high-risk item that should be discussed with your conveyancing solicitor before you sign unconditionally. No deal-breakers were found, but the unpermitted deck addition and the drainage easement on the rear boundary carry real financial implications if not addressed at negotiation.

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Title Deed Analysis
Certificate of Title — NA45C/123
Medium Risk
Medium

🟡 Drainage Easement on Rear Boundary (Instrument D459821)

The title shows a registered drainage easement running 1.8 metres along the full rear boundary in favour of Auckland Council. This restricts any future construction, landscaping, or permanent structures within that strip — including fences, garden beds with deep foundations, or a potential sleep-out or granny flat.

💡 Recommendation: Ask your solicitor to request a current drainage plan from Auckland Council to confirm the exact pipe depth and dimensions before going unconditional. If adding a rear dwelling is part of your plan, factor this constraint into your offer price.
Low

🟢 Dormant Right of Way — Registered Access Easement

A historical right of way is registered in favour of the neighbouring property for pedestrian access across the front left corner. This easement appears dormant — the neighbouring property gained its own frontage when the road was widened in 1994.

💡 Recommendation: Your solicitor should confirm in writing that this easement is no longer exercised and explore extinguishment. Low cost, high title clarity benefit for future resale.
🏛️
LIM Report Analysis
Land Information Memorandum — Auckland Council
High Risk
High

🔴 Unpermitted Deck Addition — No Building Consent on Record

The LIM confirms no building consent was issued for the rear timber deck (approx. 40 m²). Auckland Council records show consents for the original 1978 dwelling and a 1994 re-roofing, but nothing for any deck structure. Under the Building Act 2004, structures of this size require consent. Risks include: (1) Council may issue a notice to fix — demolition or retrospective consent can cost $8,000–$25,000; (2) home insurer may decline claims from the deck area; (3) your bank's valuer may flag this, potentially affecting your mortgage approval.

💡 Recommendation: Require the vendor to obtain a Certificate of Acceptance from Auckland Council prior to settlement, or negotiate a price reduction of $15,000–$25,000 to cover your costs as new owner. Do not go unconditional until this is resolved.
💰 Estimated cost if unresolved: $8,000–$25,000 (retrospective consent or removal)
Medium

🟡 Historic Flooding Notation — 1% AEP Flood Zone Margin

The LIM notes that the rear 12% of the section (~77 m²) falls within Auckland Council's 1-in-100-year flood extent. The dwelling itself sits above the mapped flood line, but the notation restricts rear construction and may increase insurance premiums.

💡 Recommendation: Obtain flood insurance quotes before going unconditional and factor any premium increase into your total cost of ownership. This notation must also be disclosed in any future sale.
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Sale & Purchase Agreement Review
ADLS/REINZ Standard Form — 9th Edition
Medium Risk
Medium

Finance Condition Wording Does Not Cover Valuation Shortfall

The finance condition does not specify a minimum approved loan amount. If your bank approves less than required due to a low registered valuation — a real risk given the unpermitted deck — the condition as written may not allow you to cancel.

💡 Amend to specify a minimum approved loan amount before signing.
Low

Vendor Seeking Early Deposit Release

A vendor-inserted special condition requests release of the 10% deposit upon satisfaction of all conditions, rather than holding until settlement. This exposes you if the vendor becomes insolvent before settlement.

🔒 2 More S&P Findings in Full Report
Plus negotiation script and exact clauses to add to your contract.
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Recommended Next Steps
  • 🔴
    Require vendor to resolve unpermitted deck (Priority: HIGH)
    Ask the vendor to obtain a Certificate of Acceptance or negotiate a price reduction of $15,000–$25,000 before going unconditional.
  • 🟡
    Ask solicitor to investigate dormant right of way
    Seek written confirmation and initiate extinguishment. Low cost, high title clarity benefit.
  • 🟢
    Obtain flood insurance quotes before going unconditional
    Factor any premium increase into your ongoing costs before committing.

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From $29 NZD · Same-day delivery · Plain English · NZ law context
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Verihome NZ Team
Auckland, New Zealand
Why We Built This

In New Zealand, a single legal opinion can cost hundreds of dollars. Yet everyone deserves to understand what they’re signing — and what’s at stake — before making the most important financial decision of their life.

Whether you’re struggling to make sense of a contract, or unsure what a risk finding really means for your wallet, we’re here to help. We cut through the legal complexity, analyse the risks you’re facing, and give you specific recommendations on what to negotiate and what to change — so you can buy your home with confidence, and get the best deal possible.