Tips For Selling Your Own Home​

Written By Hayden Roulston

Selling your own home—commonly referred to as “For Sale By Owner” or FSBO—is becoming an increasingly popular path for homeowners across Christchurch and New Zealand. With easy access to online platforms, tools, and a highly engaged property market, it’s now more possible than ever for sellers to manage the process themselves. But while going solo may appear to save time and money, it’s a decision that demands thorough planning, local market knowledge, and a strong understanding of the legal and marketing responsibilities involved.

In Christchurch, homeowners are often motivated to sell privately due to the unique characteristics of the local market. Whether it’s a post-earthquake rebuild in the east, a character villa in Merivale, or a modern townhouse in Wigram, property here is diverse and buyers are well-informed. Successfully selling your own home means you’ll need to step confidently into the role of marketer, negotiator, and legal liaison. This blog is designed to help you do just that, with expert tips tailored to the Christchurch property landscape.

Table of Contents

For many Christchurch homeowners, the appeal of FSBO lies in potential cost savings. By avoiding the standard agent commission, sellers can retain more of their sale price—an especially attractive prospect when market values are tight or margins are narrow. With commission structures typically sitting around 3–4% plus GST, the savings can be significant on high-value homes.

Online visibility has also made FSBO easier. Platforms like Trade Me Property and Homes.co.nz allow sellers to list directly to a wide audience, while social media tools such as Facebook Marketplace offer additional exposure. However, reaching potential buyers is only part of the puzzle. Without an agent, you’ll need to handle inquiries, filter serious buyers, arrange viewings, and manage follow-up—all while continuing your day-to-day responsibilities.

In a market as dynamic as Christchurch’s, timing and strategy are everything. Understanding what drives buyer interest in local suburbs—from the school zones of Burnside to the lifestyle appeal of Lincoln—is key to positioning your property effectively. We’ll explore how to craft a compelling marketing message in a later section, but first, it’s important to determine whether the FSBO route is right for you.

Is FSBO Right for You?

Selling your own home can be rewarding, but it’s not without its challenges. Before committing to FSBO, it’s worth considering whether you have the time, skills, and knowledge to carry the process from start to finish. Ask yourself the following:

  • Do I have time to answer calls, schedule viewings, and follow up with interested parties?
  • Am I confident setting an accurate asking price based on recent sales and market conditions?
  • Can I create professional-quality listings with clear photos, floorplans, and descriptions?
  • Do I understand how to negotiate terms, conditions, and offers?
  • Am I familiar with New Zealand’s legal requirements for residential property sales?

If you answered “yes” to most of these, FSBO may be a viable path. But if there’s hesitation, that doesn’t mean you can’t still give it a go—it just means you’ll want to ensure you’re well-supported and prepared for what lies ahead. Later sections will break down the tools, techniques, and legal obligations that FSBO sellers in Christchurch need to know.

Understanding the Christchurch Market

Before placing your home on the market, it’s crucial to understand the broader property climate in Christchurch. While nationwide trends affect overall buyer sentiment, Christchurch’s unique recovery from the Canterbury earthquakes, along with strong infrastructure investment and continued development in the north and west, have created a distinct and competitive landscape.

As of 2025, median house prices in Christchurch remain more affordable than those in Auckland and Wellington, drawing attention from both first-home buyers and out-of-town investors. Suburbs such as Halswell, Prestons, and Rangiora continue to see growth due to their family-friendly appeal and new builds, while inner-city areas like St Albans and Sydenham are attracting younger buyers and professionals seeking location and lifestyle.

The number of days a home stays on the market can vary significantly depending on the suburb and the quality of the listing. Private sellers need to pay particular attention to presentation, staging, and price alignment. Without these, your property could linger unsold, reducing buyer confidence and leading to lower offers.

In a cooling or flat market, pricing and marketing matter even more. You’ll need a strategy that makes your home stand out in crowded online listings, and ensures buyers view it as a serious contender—not just another DIY seller hoping to “see what happens.”

What This Guide Covers

To help Christchurch homeowners successfully navigate the FSBO process, this guide will walk through the essential elements of a private sale, including:

We’ll also offer perspective on when it might be time to reconsider going it alone. In our final section, we’ll explain how a top-performing real estate agent in Christchurch can support sellers who start out solo but want expert help to close the deal successfully.

Up next: one of the most important elements of a successful sale—preparing your home for sale.

Preparing Your Home for Sale

First impressions count—especially in real estate. Whether you’re listing online, hosting an open home, or welcoming private viewings, the way your home is presented can significantly influence a buyer’s interest and the price they’re willing to pay. When selling your home privately in Christchurch, preparing it correctly is essential to attract the right buyers, create urgency, and maximise your final sale result.

This section will walk you through every key step in preparing your home for the market, from decluttering and staging, to maintenance and compliance checks. Done properly, this prep work doesn’t just help your home stand out—it creates trust and credibility that buyers will notice.

Start with the Buyer’s Perspective

When preparing your home, start by thinking like a buyer. Walk through your property as if you were seeing it for the first time. Are there signs of wear and tear? Do any areas feel cramped, dark, or uninviting? Are there smells or sounds that could be off-putting?

In Christchurch, buyers often expect a well-maintained, neutral and tidy environment where they can picture themselves living. The goal is to remove anything that distracts from your home’s key features. This includes personal photos, strong colours, cluttered shelves, or furniture that makes rooms feel small.

Decluttering and Deep Cleaning

Decluttering is one of the most effective and affordable ways to improve your home’s presentation. Removing excess items makes rooms feel more spacious and helps buyers visualise the home as their own. In particular, focus on:

  • Kitchens: Clear benches and remove small appliances and excess crockery. Clean all cupboard doors and handles.
  • Bedrooms: Simplify furniture arrangements and remove personal items like clothing or family photos.
  • Living areas: Limit decorative pieces to two or three tasteful items per surface.
  • Bathrooms: Remove used products, hang fresh towels, and add a new soap or candle.
  • Garages and sheds: These are often overlooked, but many buyers want storage. Show off the space with an organised layout.

Once you've decluttered, a thorough deep clean is non-negotiable. Pay attention to areas like skirting boards, window tracks, grout lines, and appliances. Hire professional cleaners if needed—especially if you have pets or tenants. A clean home feels better maintained and more valuable.

Minor Repairs and Maintenance

Little issues can raise red flags for buyers. Christchurch buyers are savvy and often cautious about post-quake repairs, EQC claims, and build quality—especially in older suburbs. Take time to complete minor repairs before listing, such as:

  • Fixing leaky taps, squeaky doors, or sticking windows
  • Patching and repainting chipped walls or marked paintwork
  • Replacing broken tiles, handles, or light fittings
  • Checking that all bulbs work and light switches are functional

Buyers tend to overestimate the cost of even simple repairs. Addressing these issues upfront gives a sense of care and reassurance, which helps keep negotiations in your favour.

Staging to Maximise Appeal

Home staging is the art of presenting your property in its best light. While professional staging is worth considering—especially for vacant homes—many FSBO sellers can achieve great results with some strategic choices:

  • Use neutral, modern furniture to enhance flow and space
  • Add greenery such as pot plants or fresh flowers to soften a room
  • Position mirrors to reflect light and make rooms feel larger
  • Use consistent colour schemes throughout for a unified look
  • Limit bold decor—let the property shine, not the furnishings

If your home will be empty during the campaign, you can also stage digitally—some Christchurch photographers offer virtual staging options at a fraction of the cost of physical furniture hire. Just be sure to disclose this clearly in your marketing.

Curb Appeal: First Impressions from the Street

Street presentation is a critical part of any buyer’s first impression. Before they step inside, a potential buyer has likely formed an opinion based on your driveway, fence, garden and front door. Here are a few upgrades to make the exterior pop:

  • Mow the lawn and trim any overgrown hedges or trees
  • Clean paths, gutters, and outdoor furniture
  • Water-blast the driveway or entrance for a fresh finish
  • Repaint or touch up the letterbox and fence if needed
  • Add potted plants or a fresh welcome mat at the entry

Buyers in Christchurch are especially attentive to outdoor living. Decks, patios, and garden areas should be tidy, welcoming, and clearly usable—regardless of the season. Even if you’re selling in winter, show buyers how the space works year-round.

Compliance Checks and Safety

Before going to market, it’s smart to get your documentation in order. Buyers today are well-researched and expect transparency. Consider compiling the following:

  • LIM report: A Land Information Memorandum shows important council records, zoning, drainage, and permits.
  • Title and boundary details: Ensure no encroachments or easement surprises.
  • EQC and insurance documents: Especially critical in Christchurch—buyers will want to know about historic or unresolved claims.
  • Healthy Homes or insulation reports: If you’re selling a rental or previously tenanted property.

Providing this information upfront helps build buyer trust and prevents delays later in the sale process. If there are unresolved issues or defects, it’s better to disclose them early than risk losing a buyer just before settlement.

Professional Help with Presentation

Even if you’re selling privately, you don’t have to do it all yourself. Consider hiring professionals for key presentation tasks, such as:

  • Photographers: Use a Christchurch-based real estate photographer for high-quality listing images
  • Floorplan and video providers: These visual tools boost engagement and help your listing stand out online
  • Home stagers: Many offer partial staging options or “prep and consult” services
  • Gardeners and maintenance providers: A tidy exterior is worth every dollar

Remember, private sellers are competing with professionally marketed homes. High-quality presentation helps you attract more interest and strengthens your negotiation position when offers arrive.

Summary

Preparing your home for sale is arguably the most important step in your FSBO journey. A well-presented home not only attracts more interest—it signals to buyers that you’re serious, organised, and trustworthy. In Christchurch’s competitive property market, where buyers are educated and discerning, creating the right first impression can be the difference between a slow campaign and a swift, satisfying sale.

Next, we’ll look at one of the trickiest aspects of any property sale: pricing your home accurately.

Pricing Strategies

One of the most critical—and often most daunting—tasks when selling your own home is setting the right price. Get it wrong, and you risk deterring buyers, creating a stale listing, or leaving money on the table. Unlike selling with an agent who offers a comparative market appraisal, FSBO sellers must do their own pricing research and develop a sound strategy. In Christchurch, where suburbs, condition, and market demand can vary widely, this step requires special care.

This section explores how to set an asking price that reflects both your home’s value and current buyer behaviour, how to research comparable sales effectively, and how to adjust your strategy if interest stalls. We'll also touch on Christchurch-specific pricing trends and buyer expectations to help you position your property competitively from day one.

Understand the Market Climate

Before setting a price, you need to understand the current state of the Christchurch property market. Is it a buyer’s market, a seller’s market, or something in between? These conditions influence how aggressive or conservative you should be with your pricing.

As of early 2025, the Christchurch market is relatively balanced, with steady demand from first-home buyers, returning Kiwis, and investors, but tempered by higher interest rates and tighter lending criteria. Suburbs such as Spreydon, Hoon Hay and Shirley continue to attract budget-conscious buyers, while areas like Merivale, Fendalton and Cashmere maintain strong value for character homes and premium properties. The pricing strategy you use should reflect the location, type of property, and typical buyer behaviour in your suburb.

You can use public data sources like QV.co.nz, Homes.co.nz, and REINZ reports to see median values and recent sales trends. Be mindful, though—these figures are only starting points. The value of your home also depends on its condition, presentation, upgrades, and unique features.

Research Comparable Sales (Comps)

Pricing without an agent means doing your own comparative market analysis (CMA). This involves identifying similar properties—often called “comps”—that have recently sold in your area. Focus on:

  • Properties sold in the last 3–6 months (in the same suburb)
  • Homes with similar land size, number of bedrooms/bathrooms, and layout
  • Similar construction age, materials, and condition
  • Properties with similar features, such as garages, outdoor spaces, or consented additions

In Christchurch, even neighbouring streets can have different values based on zoning, school catchments, or post-earthquake rebuild history. Look at the actual sale prices—not just the asking prices—where available. This will give you a clearer picture of what buyers are willing to pay in the current climate.

If you're having trouble identifying suitable comps, consider using a local valuer for a one-off market valuation. While there’s a cost involved, it may prevent costly pricing errors later.

Common Pricing Strategies for FSBO Sellers

There are several methods FSBO sellers in Christchurch can use when pricing their homes. The right strategy depends on your goals, timeline, and confidence level in managing negotiations.

1. Fixed Price (Asking Price)

This is the most common approach for private sales. You set a specific price—for example, “$685,000”—and invite offers at or near that level. It provides clarity for buyers, but if you overshoot, your home may sit on the market and become stale.

Pros: Clear expectations, simple to communicate, easy for buyers to compare.
Cons: May limit competition if the price is too high or too low.

2. Price by Negotiation (PBN)

In this strategy, you avoid naming a price and invite buyers to make offers. It's flexible and often used when market conditions are uncertain or unique features make valuation tricky.

Pros: Can encourage a wider pool of interest and foster multiple offers.
Cons: Some buyers may be put off by the lack of guidance and choose not to engage.

3. Price Range

This strategy involves offering a bracketed range (e.g., "$670,000–$710,000") to attract more interest. It can be effective in Christchurch where buyers want clarity but still see room for negotiation.

Pros: Broadens appeal and shows flexibility.
Cons: May anchor buyers to the lower end of the range.

4. Deadline Sale / Set Sale Date

You set a specific date for offers to be submitted, creating urgency. This works well if you're confident your home will attract immediate attention and you’ve created a buzz through marketing.

Pros: Generates competition and a clear call to action.
Cons: Requires confidence in marketing and buyer interest. Can backfire if no offers arrive by the deadline.

Psychological Pricing Tips

Buyers in New Zealand are increasingly savvy and often use realestate portals with filters set at round price brackets (e.g., $700,000 max). To make sure your property appears in relevant searches, avoid odd pricing like $701,500. Instead, round to common thresholds—$699,000, $725,000, or similar.

You might also consider using a “just below” pricing tactic—for example, $599,000 instead of $600,000—to make the home appear better value in search results and buyer comparisons.

Watch and Respond to Market Feedback

One advantage of FSBO is that you receive direct feedback from buyers. Use this to your advantage. If you're getting plenty of views and visits but no offers, your price may be too high—or your home may need better staging. If you’re not getting inquiries at all, it could be both.

After two or three weeks on the market, reassess your strategy. In Christchurch’s active market, serious buyers move quickly. If you’re not seeing results within 30 days, it may be time to reduce your price or change your marketing approach.

Final Thoughts

Pricing your home correctly is part science, part art. You’ll need solid research, local insight, and the flexibility to adjust as you go. A realistic, well-supported price creates trust and positions your property competitively, while an unrealistic figure can damage your campaign before it’s begun.

In the next section, we’ll explore how to attract the right buyers through effective DIY marketing—without the help of a real estate agent. Read on to learn about Marketing Without an Agent.

Marketing Without an Agent

Once your home is well-presented and priced right, it’s time to get the word out. Marketing is one of the most vital aspects of a successful property sale, and when you’re selling privately, the entire campaign falls into your hands. Without a real estate agent to manage exposure and buyer interest, it’s essential that you create a strong, well-coordinated strategy to reach the right audience—especially in Christchurch, where buyer expectations and competition vary by suburb.

This section covers how to create compelling listings, use digital platforms effectively, harness the power of social media, and drive interest through cost-effective, proven marketing tactics. Done well, your marketing can create urgency, generate multiple offers, and even spark a bidding environment—all without paying a cent in commission.

Create a Standout Online Listing

Your online listing is your digital shopfront. For most Christchurch buyers, their property search starts online—typically on Trade Me Property, Homes.co.nz, and realestate.co.nz. If your listing doesn’t stand out, it risks being scrolled past within seconds.

Here’s what your listing should include:

  • Headline: Start with a benefit-driven statement. Think beyond “3-Bedroom Family Home” and try “Renovated Character Home with Stunning Garden in Burnside”.
  • Opening Description: Your first paragraph should hook the reader—highlight lifestyle benefits, location appeal, or unique features.
  • Full Description: Include detailed information about the layout, number of bedrooms/bathrooms, section size, heating/cooling systems, recent renovations, and school zones.
  • Photos: Invest in professional photography. Use natural light, decluttered spaces, and wide shots. Include all rooms, the exterior, garden, and key features (like a new kitchen or deck).
  • Floorplan: Helps buyers visualise the flow of the home. Particularly useful for Christchurch buyers who often evaluate layout before visiting.
  • Video or 3D Tour: Virtual walkthroughs boost engagement—ideal for busy families, investors, or out-of-town buyers.

Ensure spelling and grammar are clean and professional. If you’re unsure, ask a friend or hire a freelance copywriter—first impressions matter.

Use the Right Platforms

Not all property websites are created equal. Here’s where to focus your efforts as a Christchurch FSBO seller:

  • Trade Me Property: The most widely used platform in New Zealand for both agents and private sellers. Invest in a “Premium” or “Super Feature” listing for better visibility.
  • realestate.co.nz: Another leading site, but private seller access may be limited. Some FSBO platforms offer listing services here on your behalf.
  • Homes.co.nz: Offers free exposure when your property is listed elsewhere. Buyers often use it to check value estimates.
  • Facebook Marketplace: Great for local exposure. Pair with targeted ads for a wider audience.
  • OneRoof and HouGarden: Less common for FSBO but worth including if using multi-platform FSBO services.

You may also consider listing through a FSBO service like PrivateSale.co.nz or BuyMyHome.co.nz, which offer bundled marketing packages, signage, and paperwork templates.

Leverage Social Media

Christchurch buyers are active on social media, particularly Facebook and Instagram. Promoting your property here can drive direct interest, especially if your home suits first-home buyers or families who live in nearby suburbs.

Tips for effective social media promotion:

  • Use Facebook Ads: Create a paid campaign targeted to people aged 28–55, within 20 km of your suburb. Use engaging copy and carousel images.
  • Post in Local Community Groups: Most suburbs have Facebook groups—“Ilam Residents”, “Rolleston Buy/Sell”, etc. Post your listing with permission from admins.
  • Use Instagram Stories & Reels: Short, engaging video clips can showcase your home’s best features. Use location hashtags like #ChristchurchRealEstate or #CashmereViews.

If you're confident with video, take a 60–90 second walkthrough using a gimbal or stabiliser, paired with calm music or narration. These personal touches add authenticity and give buyers a genuine feel for the space.

Signage and Print Collateral

Don’t underestimate traditional methods. Physical signage remains one of the best-performing tools in property marketing. A high-quality sign outside your property can drive interest from neighbours, local traffic, and even curious walkers.

  • Use clear, professional signage with your contact number, a brief description, and a QR code linking to your online listing.
  • If your property is located on a busy road or corner site, consider using directional signage at intersections nearby.
  • Distribute flyers in local cafés, schools, or letterboxes if your target buyers are likely to be from nearby suburbs.

Make sure you’re available to take calls or respond to texts promptly. Delayed communication often leads to lost buyer interest, especially in fast-moving markets.

Host Your Own Open Homes

Private viewings and open homes are still the most effective way to sell property. When hosting an open home:

  • Prepare the property as if for a magazine shoot—lights on, fresh air, curtains open, and clean surfaces.
  • Play soft background music and remove any clutter or distractions.
  • Have printed flyers available with key info: price (or sale method), features, floorplan, and your contact details.
  • Ask visitors to sign in so you can follow up with them later.

Be ready to answer common questions about rates, EQC history, heating systems, and nearby amenities. Christchurch buyers often ask about insulation, recent repairs, and earthquake strengthening—especially for older homes.

Track Your Performance

Use tools provided by platforms like Trade Me to track how many views your listing receives, and monitor enquiries and open home attendance. If you’re not generating interest after the first week, it may be worth reviewing your photos, headline, or price.

A slow response doesn’t always mean failure—sometimes it's timing or competition. But you must be willing to pivot. Small changes can have a big impact in real estate marketing.

Final Thoughts

Marketing without an agent is entirely achievable, but it takes strategy, consistency, and follow-through. Your success depends on the quality of your content, your ability to target the right audience, and your responsiveness to buyer interest. Christchurch buyers are discerning, and they expect a professional experience—even from private sellers. If you can deliver that, you’ll give yourself every chance of a successful sale.

Next, we’ll explore what you legally need to know to sell your home in New Zealand, including disclosures, contracts, and key documentation. Read on to Legal Responsibilities in New Zealand.

Selling a home is more than just presenting and marketing—it’s a legal transaction with obligations that must be fulfilled to avoid disputes, delays, or costly consequences. When you sell your property privately in Christchurch, you take on the legal responsibilities that an agent would normally manage. This includes disclosures, contracts, compliance documentation, and understanding key legal steps in the transaction process.

In this section, we’ll walk through the essential legal aspects every private seller in New Zealand must understand. Whether you’re selling a standalone home in Bishopdale, a townhouse in Wigram, or a lifestyle block in Tai Tapu, these legal responsibilities apply.

Understanding the Sale and Purchase Agreement (S&P)

The Sale and Purchase Agreement is the core legal contract between you and the buyer. It outlines the terms of the sale, including the purchase price, deposit amount, conditions (such as finance, LIM, building report), settlement date, and chattels to be included (e.g., oven, heat pump, curtains).

In New Zealand, the most commonly used contract is the standard REINZ/ADLS Sale and Purchase Agreement. While this form is widely accessible and understood by lawyers and agents, you should still have your solicitor review and assist with its preparation, especially when selling privately.

Key points to consider:

  • Ensure all sections are filled out accurately before presenting it to a buyer.
  • Specify any conditions clearly (e.g., “subject to satisfactory building inspection within 10 working days”).
  • Be cautious about timelines—tight timeframes can backfire if paperwork or funding delays arise.
  • Both parties must sign for it to become legally binding.

Never rely on a verbal agreement. Everything should be in writing, and your solicitor should check the document before you or the buyer sign anything.

Disclosure Obligations

As a seller, you are legally required to disclose any known issues with the property that could affect the buyer’s decision. This includes material defects, unconsented work, or ongoing disputes.

Failing to disclose known problems—intentionally or unintentionally—can result in legal action from the buyer after the sale. Even if you sell privately, the Consumer Guarantees Act and Fair Trading Act may still apply, particularly if you make misleading statements during the sale process.

Common disclosures include:

  • Any known structural issues, water damage, or earthquake-related repairs
  • Unconsented renovations, additions, or relocations
  • Neighbourhood issues such as disputes, noise complaints, or shared driveways
  • Outstanding council rates, EQC claims, or insurance issues

Being upfront with buyers not only fulfils your legal obligation but can build trust and reduce the chance of a sale falling over later.

Providing a LIM Report

A LIM (Land Information Memorandum) is a document supplied by Christchurch City Council (or your local council) detailing information about the land and property. It includes zoning, building consents, flood risk, drainage plans, heritage listings, and more.

While you are not legally required to supply a LIM, most buyers will request one as a condition of their offer. As a private seller, it’s often a good idea to obtain a LIM in advance so you can present it to interested buyers and resolve any issues early.

Ordering a LIM from the Christchurch City Council typically takes 10 working days (standard) or 2 working days (urgent), with fees ranging from $300–$400. If you’ve had recent building work done, ensure all consents are properly recorded in the LIM—otherwise, buyers may raise concerns.

Title Check and Boundary Clarification

Before listing, ask your solicitor to check the title to your property to confirm ownership details and any restrictions, such as easements, covenants, or encumbrances.

Boundary issues are a common cause of disputes, particularly in older Christchurch suburbs where fencing and layout don’t always match legal boundaries. If your property has been subdivided, or if neighbours have extended fences or gardens, a surveyor may be required to confirm accuracy.

Providing clarity on title and boundaries can help prevent complications during buyer due diligence and settlement.

Chattels and Fixtures

Clearly outline which chattels are included in the sale. Chattels are typically movable items (e.g., dishwasher, blinds, heat pumps, light fittings) that are not physically attached to the land or buildings. Fixtures, on the other hand, are generally included unless otherwise stated.

It’s wise to list all chattels in the Sale and Purchase Agreement and ensure they’re in working order at settlement—unless agreed otherwise. Disputes over chattels are surprisingly common, so clarity upfront avoids last-minute friction.

Dealing with Deposits

When a buyer signs a Sale and Purchase Agreement, they usually pay a deposit (often 5–10% of the purchase price). As a private seller, you should never hold the deposit yourself. Instead, arrange for it to be held in your solicitor’s trust account until the deal goes unconditional or settles.

This provides protection for both parties and ensures the funds are handled according to NZ property law. If the sale falls through under a valid condition, the deposit is refunded. If the buyer defaults without valid reason, the seller may be entitled to retain the deposit—subject to legal advice.

Working with a Lawyer

Even if you're selling without an agent, legal representation is non-negotiable. Your lawyer will:

  • Help draft or review the Sale and Purchase Agreement
  • Advise on disclosures and legal compliance
  • Manage the deposit and settlement process
  • Communicate with the buyer’s lawyer to facilitate a smooth transaction

Choose a lawyer experienced in property transactions, ideally with Christchurch market familiarity. Keep lines of communication open, and don’t hesitate to ask questions—this is one area where professional advice is worth every dollar.

Tax Considerations and Bright-Line Rule

If you’re selling an investment property or second home, be aware of the Bright-Line Property Rule. As of 2025, this rule means that if you sell a residential property within 10 years of purchasing it (excluding the main family home), you may be liable to pay tax on any capital gain.

The rule applies nationwide, including Christchurch. Always check your personal situation with an accountant or tax adviser before finalising your sale—especially if the property has been used for rental or investment purposes.

Final Thoughts

When selling your home privately, legal responsibilities can’t be taken lightly. The more proactive and prepared you are, the smoother the process will be. Ensure that every step—from disclosure and documentation to contracts and compliance—is managed with care. If you're unsure, always consult with a qualified professional. In real estate, mistakes can be costly, and it's far better to prevent problems than to fix them after the fact.

In the next section, we’ll take an honest look at the common risks and pitfalls of selling privately. Read on to Risks and Pitfalls of FSBO.

Risks and Pitfalls of FSBO

Selling your home privately in Christchurch may seem like a smart way to save money on agent commissions, but it’s not without its challenges. While many sellers manage to navigate the process successfully, the FSBO (For Sale By Owner) route comes with risks that can affect your final sale price, your legal standing, and your stress levels.

This section explores the most common pitfalls of selling your own home, from pricing missteps and marketing limitations to legal complications and negotiation hurdles. Understanding these risks early can help you avoid costly mistakes and decide whether going it alone is the right path for you.

Overpricing or Underpricing

One of the biggest challenges FSBO sellers face is setting the right price. Without access to agent-only sales data and tools like comparative market analysis software, private sellers often rely on broad estimates from online platforms or recent neighbourhood gossip. This can lead to serious mispricing.

Overpricing your home may deter buyers from even viewing it. In Christchurch’s competitive market, homes priced outside buyer expectations can quickly become stale, generating little interest and ultimately requiring a price drop. On the other hand, underpricing can mean leaving tens of thousands of dollars on the table—especially if multiple buyers would have competed had it been marketed more strategically.

The right price requires in-depth understanding of suburb-level trends, property presentation, buyer demand, and seasonal timing. Without professional advice or a formal appraisal, FSBO sellers often miss the mark.

Limited Exposure

Real estate agents have established marketing systems that ensure properties are widely seen. They use their agency’s internal databases, buyer networks, social media reach, and paid advertising to maximise visibility. FSBO sellers, on the other hand, rely heavily on Trade Me and perhaps Facebook Marketplace.

This limited exposure can seriously affect your ability to attract multiple buyers. In areas like Merivale or Ilam, where buyers expect premium marketing, a DIY approach might send the wrong message and reduce perceived value. Even in family suburbs like Halswell or Redwood, buyer competition is a key factor in achieving a top price—something that’s harder to create with FSBO.

Inadequate Presentation

Presentation is everything in real estate, especially in a visually driven market like Christchurch. FSBO sellers often skip professional photography, home staging, or floorplans to cut costs, but this can be a false economy. Poor imagery and cluttered spaces reduce buyer interest before they’ve even stepped through the door.

First impressions are made online. If your home doesn’t shine in photos and video, buyers may never bother to book a viewing. The same applies during open homes—homes that are poorly lit, cluttered, or carry odours (pets, dampness, cooking) may be overlooked, even if they tick the right boxes on paper.

Negotiation Inexperience

Negotiating a property sale isn’t like haggling over a second-hand car. It involves understanding buyer psychology, timing, leverage, and legal nuance. Most FSBO sellers are not trained negotiators, and this often leads to accepting offers too quickly or becoming defensive when buyers raise concerns.

In Christchurch, where property values vary widely between suburbs, buyers are often well-prepared. Many will have experience dealing with agents and know how to spot an unprepared seller. Without a buffer or third party to handle back-and-forth discussions, negotiations can become emotional or confrontational, potentially derailing the deal.

Legal Risks and Mistakes

As covered in the previous section, selling property in New Zealand comes with a range of legal responsibilities. From disclosures to contract preparation, any misstep can have serious consequences. FSBO sellers sometimes:

  • Use outdated or incomplete Sale and Purchase Agreements
  • Fail to disclose important defects or unconsented work
  • Accept verbal agreements instead of written contracts
  • Overlook important documentation like LIM reports or title checks

Even small legal oversights can lead to delayed settlements, disputes, or legal claims. Without an agent guiding you through due diligence and compliance, you must be meticulous and proactive—ideally with a property solicitor involved from the outset.

Dealing with Time Wasters

One of the more frustrating realities of FSBO is the time spent fielding calls, answering questions, arranging viewings, and chasing follow-up—often with people who aren’t serious buyers. Agents are skilled at filtering genuine interest from tyre-kickers. Private sellers, by contrast, often find themselves spending weekends hosting open homes for browsers or neighbours just “having a look.”

Buyers may also feel less urgency to engage seriously without an agent driving the process. This can result in drawn-out negotiations, vague communication, and ultimately, lost momentum.

Emotional Attachment

It’s your home. You've lived in it, improved it, loved it—and now you're trying to sell it. That emotional attachment can become a problem when buyers start offering critiques or submitting offers that feel “too low.” Sellers who are too emotionally invested may unintentionally sabotage negotiations or overvalue minor features.

One advantage of using a real estate agent is that they serve as a professional buffer between your emotions and the negotiation. As a private seller, you’ll need to develop thick skin and remember that buyers are not criticising you—they’re evaluating a potential investment.

Longer Time on Market

Properties listed privately often take longer to sell. Without a strong marketing push or buyer urgency created by an agent-led campaign, your property may linger—especially if priced too high initially. Longer time on market can signal to buyers that something is wrong with the home, leading to lowball offers or disinterest altogether.

In Christchurch, where buyer activity can fluctuate with interest rates, school terms, or seasonal demand, getting your timing and strategy right is essential. The longer your listing sits, the harder it may be to create momentum later.

When FSBO Works—and When It Doesn’t

FSBO can work well for certain property types and sellers:

  • Homes in high-demand suburbs or school zones where buyers are actively searching
  • Sellers with marketing or negotiation experience
  • Simple, tidy homes with updated documentation and few complications
  • Buyers already lined up—e.g., friends, family, or neighbours

However, for more complex sales—older homes, properties with repair history, or unique layouts—professional assistance can save you from stress, uncertainty, and financial loss.

Final Thoughts

There’s no doubt that selling your own home offers a sense of control and potential cost savings. But it also means shouldering all the responsibilities—and risks—of the sale. Without professional marketing, legal support, and buyer networks, it’s easy to fall short of the price your home truly deserves.

In the final section of this guide, we’ll explain how working with an experienced local agent can complement or even rescue a private campaign. Discover why many sellers ultimately turn to a trusted professional to get the job done right. Continue reading: Why Choose Hayden Roulston.

Why Choose Hayden Roulston

After navigating the many complexities of selling your own home—pricing, marketing, compliance, and negotiation—you might be wondering if there’s a smarter, more supported way to achieve the result you’re aiming for. For many Christchurch homeowners, turning to an experienced real estate professional isn’t a last resort—it’s a strategic decision that ultimately saves time, stress, and even money.

Hayden Roulston is one of Christchurch’s most respected agents, known for his high-performance background, commitment to results, and deep knowledge of the local market. With a proven track record of more than 50 successful property sales in just 2.5 years, Hayden offers not only professional expertise, but a disciplined, client-first approach that’s hard to match in the real estate industry.

A Personalised, Professional Approach

What sets Hayden apart is his attention to detail and his drive to exceed expectations. As a former Olympic cyclist, Hayden knows what it takes to perform under pressure and deliver consistent results. He applies that same discipline and preparation to every property campaign, tailoring strategies to suit your home, your timeline, and your goals.

Whether you’re selling a family home in Strowan, an investment property in Hornby, or a coastal retreat in Sumner, Hayden offers a customised plan built around your specific needs. His marketing campaigns leverage professional staging, high-quality photography, targeted digital advertising, and social media management—all designed to showcase your property in its best light and reach the right buyers.

Local Insight, Backed by a Powerful Network

Having grown up in New Zealand and built a life and career in Christchurch, Hayden understands the nuances of the local market like few others. He works with a diverse and expansive buyer database, including serious investors, families relocating within Christchurch, and buyers from out of town seeking opportunities in the region.

Hayden is also backed by a trusted network of tradespeople, stagers, legal advisors, mortgage brokers, and marketing professionals—including industry leaders like Agentary and Antony & Mates—ensuring every listing receives world-class presentation and exposure from day one.

Performance You Can Trust

When it comes to results, Hayden delivers. His strategic campaigns often generate multiple offers, competitive bidding, and quick turnarounds. Sellers benefit from his negotiation expertise, his market awareness, and his ability to maintain momentum throughout a campaign.

Even more importantly, Hayden’s clients appreciate his honesty, communication, and transparency. Whether you’re a first-time seller or a seasoned property owner, you’ll receive a service that’s approachable, informative, and 100% committed to your outcome.

From FSBO to Full Support

If you’ve already begun your FSBO journey but feel overwhelmed, Hayden can step in at any stage—offering advice, market feedback, and a clear path forward. Many private sellers begin the process alone, only to realise that working with a professional offers better reach, stronger offers, and peace of mind.

Choosing a real estate agent in Christchurch like Hayden doesn’t mean losing control of your sale. It means gaining a trusted partner with the tools, skills, and dedication to help you achieve the best possible outcome—while you focus on your next chapter.

Let’s Talk

Considering selling your home and want to know what it’s worth? Hayden offers a free, no-obligation appraisal service. He’ll assess your property’s condition, location, and recent sales data to provide you with a detailed appraisal booklet including your home’s value, recommended sale methods, marketing strategy, and campaign timeline.

Whether you’re just beginning to explore your options or you’re ready to list, you’ll find Hayden’s advice grounded, professional, and tailored to you.

Contact Hayden today:
Phone: +64 21 721 699
Email: hayden.roulston@harcourtsgold.co.nz
Office: 471 Papanui Road, Papanui, Christchurch

FAQ: Selling Your Own Home in NZ

Do I need a real estate agent to sell my home in New Zealand?

No, you are legally allowed to sell your home privately in New Zealand without a licensed real estate agent. However, you are responsible for all legal, marketing, negotiation, and compliance aspects of the sale. Many sellers start privately and later choose to work with an agent for greater exposure and support.

How do I set the right asking price for my home?

Research recent comparable sales in your area using platforms like QV.co.nz, Trade Me Property, and Homes.co.nz. Focus on similar properties sold within the past 3–6 months, and factor in location, condition, land size, and local demand. For accuracy, consider a valuation or a free appraisal from a real estate professional.

Is a LIM report required when selling my home?

A LIM (Land Information Memorandum) report is not legally required, but it is strongly recommended. Buyers often request a LIM as a condition of sale to check zoning, permits, drainage, and any issues with the land or property. Having one ready can improve buyer trust and streamline the negotiation process.

Can I hold the buyer’s deposit myself?

No. The deposit should be held in a solicitor’s trust account. This protects both parties during the conditional period and ensures that funds are handled according to legal standards. Never accept or hold a deposit in your personal account.

What platforms can I use to market my home privately?

Common FSBO platforms include Trade Me Property, Facebook Marketplace, and Homes.co.nz. You can also promote through social media, local community groups, and private sale websites like BuyMyHome.co.nz. To maximise exposure, invest in professional photos and clear, compelling copywriting.

Can I use the standard Sale and Purchase Agreement myself?

Yes, the REINZ/ADLS Sale and Purchase Agreement is widely used across New Zealand and available through lawyers or licensed professionals. However, it’s strongly advised to have a property solicitor prepare or review the agreement to ensure your interests are protected and legal obligations are met.

What are the legal risks of selling privately?

FSBO sellers carry full responsibility for disclosure, compliance, and the accuracy of all representations made to buyers. Mistakes can lead to legal disputes, sale delays, or claims under the Fair Trading Act. Working with a lawyer from the outset is crucial to reducing legal risk.

Do I have to disclose earthquake repairs or insurance claims in Christchurch?

Yes. Christchurch buyers will expect transparency about any EQC repairs, insurance claims, or earthquake-related history. Full disclosure is legally and ethically required, and failure to do so can derail your sale or result in post-settlement disputes.

How do I know if FSBO is right for me?

FSBO may be a good fit if you’re experienced in sales or marketing, have time to manage the campaign, and feel confident handling legal documentation. If your property is straightforward and in high demand, you may succeed with a private sale. However, if you’re unsure or facing challenges, speaking to a local agent can offer clarity and support.

Can I start selling privately and later use an agent?

Absolutely. Many Christchurch sellers begin privately but later partner with an agent to reach more buyers, negotiate stronger offers, or complete the process with peace of mind. Most agents can step in at any stage to help finalise the sale or relaunch the campaign professionally.

How much does it cost to work with Hayden Roulston?

Hayden offers a free appraisal service and personalised advice at no cost or obligation. His commission structure is competitive: $550 + 3.95% up to $400,000, and 2% thereafter, plus GST. You’ll also benefit from his extensive local database, marketing resources, and full campaign management from start to finish.

Still have questions? Hayden is happy to chat—whether you're exploring FSBO or ready to list. Reach out anytime for honest, expert advice tailored to your situation.

Contact Hayden:
Phone: +64 21 721 699
Email: hayden.roulston@harcourtsgold.co.nz
www.haydenroulston.co.nz

Hayden Roulston
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