Property Experts You Need on Your Team
When it comes to buying a home or investment property, going it alone isn’t just daunting—it’s unnecessary. The right team of professionals will guide you through the process, help you avoid costly mistakes, and increase your chances of success. The good news? Many of these experts don’t charge a cent upfront. Here’s who to have in your corner and when to bring them into the picture.
Mortgage Broker – Free
When to engage: As soon as you start planning to buy or restructure your mortgage.
Who they help: First home buyers, current homeowners, and property investors.
A mortgage broker should be your first call. Not only do they assess what you can afford, they’ll also show you how to increase your borrowing power. They compare a wide range of banks and lenders, explain your mortgage options, and handle the paperwork for your pre-approval. Best of all, their service is typically free, as they’re paid by the lender once your mortgage is in place.
KiwiSaver Adviser – Free
When to engage: If you’re a first home buyer preparing for pre-approval.
Who they help: First home buyers.
If you’re using your KiwiSaver to help with your deposit, speak with a KiwiSaver adviser to ensure your investment settings and tax rate (PIR) are right for your situation. Even if you don’t plan to withdraw your KiwiSaver, now’s the perfect time to review your setup. Many Mortgage Lab brokers are also registered KiwiSaver advisers and can help you optimise your account.
Solicitor – Around $1,500
When to engage: Once you’re seriously looking at properties.
Who they help: Buyers and investors.
While most of a lawyer’s work happens at the end of the buying process, it’s wise to choose one early. Your solicitor will review the property title and Sale and Purchase Agreement, and they’ll be handling your settlement. Choose someone who regularly works with buyers or investors—not just corporate clients—and check their fees upfront.
Life and Health Insurance Adviser – Free
When to engage: Once you’re actively house hunting.
Who they help: Buyers, homeowners, and investors.
Taking on a mortgage means taking on a financial risk. If your income stops due to illness or injury, you need to know your mortgage repayments can still be made. An insurance adviser will help you protect your income and assets with the right mix of life, health, and income protection cover—often at no extra cost to you. If you already have cover, this is a great time for a review.
Fire and General Insurance Adviser – Free (plus premiums)
When to engage: Once you’ve made an offer on a home.
Who they help: Buyers and investors.
You’ll need house insurance before your loan is drawn down, but don’t just pick a generic policy. A broker can advise you on the best cover for your property, especially if you’re buying in areas prone to earthquakes or other risks. Their advice is free, although their policies may include a broker margin—well worth it for the support at claim time.
Real Estate Agent – Free
When to engage: Once you’ve secured mortgage pre-approval.
Who they help: Buyers and investors.
While agents are paid by the vendor, a good agent can still be a huge help to buyers—especially in tight markets. Agents often have listings before they go public and can match you with properties that meet your brief. Keep in regular contact with your agent and let them know if you’re working with a specific broker—they’ll be more inclined to assist if they’re confident you’re a serious buyer.
Accountant – Varies
When to engage: If you’re self-employed or buying an investment property.
Who they help: Self-employed buyers and investors.
Banks typically require two years of financial statements for self-employed borrowers, ideally prepared by a qualified accountant. For investors, accountants can also advise on the best ownership structure for tax efficiency and long-term growth. While the cost varies, good accounting advice can save you thousands over the life of your property portfolio.
Builder or Building Inspector – $100–$600
When to engage: When you’re seriously considering a property.
Who they help: Buyers and investors.
A building inspection gives you a clear picture of a home’s condition. Verbal walk-throughs may be cheaper but lack legal standing. A full written report costs more but provides protection and leverage during negotiations. It also gives you a practical to-do list for maintenance after you move in.
Why No Registered Valuer?
You might notice a valuer isn’t on this list. That’s because registered valuations must be ordered through the bank’s valuation ordering system, which ensures impartiality. Always speak with your mortgage broker before arranging a valuation—they’ll guide you through the correct process.
Get Your Team Together Early
Putting together a team of experts doesn’t need to be expensive. Most professionals—like mortgage brokers, insurance advisers, and agents—offer their advice and services at no upfront cost. Others, like lawyers or accountants, charge fees but are crucial when it comes to protecting your interests and securing the best financial outcome.
If you’re already working with a Mortgage Lab broker, ask for their preferred network of professionals. Having trusted, experienced people on your team will make the home buying process smoother and less stressful—and give you the confidence to move forward when the right property appears.
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