If in the New Year, you are planning to buy a new home, it’s time to start saving. The old adage is still as applicable as ever: “Look after the pennies and the pounds will take care of themselves”. Thinking in the hundreds and thousands can be tough, but it’s easy to accumulate savings if you just look after the pennies, or in our case, the dollars.

Create a Budget

The first thing you need to do is to create a budget. There’s a budding accountant in everyone, and if you want to save for Christchurch Real Estate, you need to know exactly how much is coming in and how much is going out; daily, weekly, monthly and annually. If you have a partner, you may want to combine your budgets or keep them separate, but you should both allocate a certain amount of money each week to go into your ‘Christchurch Property Savings’.

Keep an eye on your bank statement

If you’re unsure about what your daily and weekly costs are, it’s about high time you sit down and read through your bank statements. Highlight reoccurring costs such as the monthly electricity, Internet, phone and water bill, weekly petrol costs, average grocery shopping expenditure etc. You should average these costs and put them in your budget.

High Interest Savings

If you want to create a bank account specifically for your Christchurch property, you may want to talk to your bank about a high interest savings account. Either way, your bank will be able to inform you about how to go about saving for a house and how to get the most out of interest rates.

Set Goals

In order to keep you motivated to save, you need to set goals; both monthly and annually. You may be surprised how addictive saving can become once you get into it and start completing your saving goals.

Loan Calculator

Use our loan calculator to figure out how much your monthly repayments will be.

Name your price

Once you’ve decided on some goals, you need start thinking about what you can afford. The Christchurch Real Estate market ranges in price, and you need to decide how much you can realistically save for a new Christchurch property.

Search the Christchurch Real Estate Market

Now that you’ve started saving, it’s time for the fun part – to start looking at Christchurch property. There is something for every budget, every taste and every size.

Christchurch Property FAQ

Take a look at out FAQ page for more information.

Get in touch today

Call us at +64 3 355 6555 or email [email protected] if you have seen an advertised Christchurch Property you are interested in.


February and March are the most active months of the year, closely followed by October and November. This means that majority of all Real Estate in Christchurch is sold during a quarter of the year. After the Christmas rush has come and gone, many people will be looking forward to a ‘New Year, New Home’ mentality and will be searching through Christchurch Real Estate.

To help sell your Christchurch Property during Summer, Cowdy and Co have compiled a quick list of tips for help put the Christchurch Real Estate Spotlight on your home!

Real Estate Christchurch

Let there be Light

Your house needs to stand out amongst other Christchurch Real Estate – one way to do this is to let it shine, literally. Let as much natural light as possible to flow through the house, get rid of thick and heavy curtains and opt for lighter fabric or blinds. This also gives the illusion of more space. Keep your windows clean and pristine, so people can see clearly the outside when inside, and the inside when outside.

Transcend Indoor/Outdoor Divisions

If you have a front or back yard with space for furniture, transcend any indoor/outdoor divisions. Showcase outdoor living by setting up the decks, balconies and gardens with outside furniture. This encourages people to envision themselves living in your home, to picture themselves sitting outside in the sun with a cold drink and a good book.

Keep it Cool

During open homes, ensure the house is well ventilated. Utilise AC if you have it, and if weather permits, keep windows and doors open to keep fresh air circulating throughout. Potential buyers spend considerable time inspecting your home, they need to be comfortable if you want them to be encouraged to spend more time. After 10 minutes its easy to notice whether a house is too cold, too warm, too damp etc. Monitor the temperature, humidity and ventilation during open homes.

Show Character not Personality

It’s great to show off the characteristics of your home, but avoid showcasing your personality as the current home owner. In other words, in order for potential buyers to picture themselves living in your home, they need to see their own belongings throughout the house. It’s a good idea to put away family photographs, greeting cards, toiletries and other personal items.

If you are thinking about selling your Christchurch Property this Summer, get in touch with our Christchurch Real Estate experts. Our dedicated team of agents understand the Christchurch Market and can help you through the entire selling process.

Feel free to give us a call on the number below, or use the enquiry form to drop us an email.

Email: [email protected]
Phone: +64 3 355 6555 (24 hours a day, 7 days a week)

If you are thinking seriously about looking into properties for sale in Christchurch, Congratulations! Cowdy & Co want to support you through the entire home buying process and are experts when it comes to Christchurch real estate. We know that it’s both a scary and exciting time purchasing your first home, so we have compiled a list of tips to help you save up for the mortgage on your first home.

Am I ready to look at properties for sale in Christchurch?

Up until now, you have probably been renting your home and are now considering whether it’s time to take the plunge and purchase your own home. There are a lot of things to weigh up when it comes to the buying vs. renting dilemma. Here are some things to consider before trawling through Christchurch property listings:


      How to save for your first Christchurch property

      After weighing up the pros and cons of renting vs buying, if you have come to the decision that it’s time to buy your first home, then it’s time to think about a saving strategy. No one particularly likes saving, but the more you do, the less you’ll have to borrow and the sooner you’ll be owning your own home!

      Get rid of debt – It’s hard to start saving for a future purchase when you are still paying off other debts. Before you take the plunge and get a mortgage, take a hard look at any outstanding debt and work towards paying them off first. It is sometimes easier to consolidate all your debts into one personal loan. Talk to your bank manager about what is the best way to tackle debts.

      The key to saving is to add to your pot of gold regularly – organise a budget of your weekly income and weekly payments, once all your bills and costs have been covered, decided on an amount you want to put aside each week into a savings account. Make sure it’s a manageable amount, something you know you can commit do each week. Gathering momentum and depositing into your savings regularly will motivate you to keep going, and you’ll be surprised how quickly you can accumulate a nice wee nest egg. Check out Sorted for more saving tricks and tips.

      Answer any questions ahead of time – Check out our FAQ page for answers regarding legislation and purchase and sale agreements.

      Start hunting

      Now the fun begins, it’s time to start house hunting! Check out our Christchurch listings here.

      Get in touch with Cowdy & Co today!