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Property Guides

Property Records & LIM

Four different checks, four different questions

A property pack should help you make a decision, not leave you with a folder of unanswered questions. When you are considering a home marketed by Ray White Cambridge, ask the listing salesperson for the available information early. Use this guide to connect what you saw at the viewing with the title, Council records and professional checks.

The title deals with ownership and registered interests. Council records describe information held about the site and building work. A LIM brings together Council information. A building inspection considers the physical property within the inspector’s agreed scope. Read them together rather than treating one as a substitute for the others.

Start with the right property

Confirm the address, legal description and what is included in the sale. A house, garage, carpark or adjoining piece of land may involve more than one title or a shared arrangement. Give your lawyer the complete pack and explain your intended use, especially if you want to extend, work from home or change access.

Ask your lawyer to explain easements, covenants, ownership arrangements and any documents referred to on the title. On a shared driveway, establish the legal rights and maintenance responsibilities as well as how the space is used today. Our townhouse and unit guide covers further shared-property questions.

What does a Waipā council property file contain?

Council describes its property files as containing material such as building and resource consents and floor and drainage plans. Use that material to compare the recorded home with the property you inspected. Put an added bathroom, converted garage or extension on your question list if the records do not clearly explain it.

Ask Council about missing documents and the appropriate professional about their significance. An absent record needs investigation; it is not enough on its own to establish the full history or legality of building work.

Where a LIM fits

A Waipā Land Information Memorandum summarises relevant information held by Council. It can help you and your advisers identify questions about the land and buildings. Council makes clear that a LIM does not include a physical inspection. Check the report date and whether your lawyer and lender require a current report for this transaction.

The District Plan and property snapshot tools are also useful for understanding zoning and overlays. If future work is essential to your purchase, ask a planner to assess the specific proposal.

Commission the inspection you actually need

Tell an independent inspector what concerns you and ask what their service includes, excludes and cannot access. A standard visual inspection does not reveal everything hidden inside a building. Electrical, drainage, structural or ground concerns may need a separate specialist. Consumer Protection’s building-report guidance explains why follow-up matters.

If a seller has supplied a report, check who commissioned it, its scope and whether you can rely on it. Your own inspection arrangements should suit your decision and your advisers’ requirements.

Put one unanswered question through the whole process

Suppose a garage is being used as a home office and that space is important to your purchase. Start by asking the salesperson what is included in the sale and what documents are available for the work. Then ask your lawyer and the relevant Council or building professional to establish how the recorded use, approvals and physical condition relate to what you intend to do.

Keep a short note for the property: what I saw; what the documents show; who is checking; what remains unresolved; when I need the answer. Use it again after each report arrives. If a finding affects the purchase, have your lawyer address it in the agreement rather than relying on a verbal assurance.

Work with our listing team and your own advisers

Our Cambridge selling team can discuss the property, arrange a viewing and explain the sale process. Bring specific questions back to the listing salesperson so the available facts can be clarified. Legal interpretation and technical conclusions belong with the appropriately qualified advisers you have engaged.

Turn the pack into an action list

  1. Write down each unresolved question and the document or observation behind it.
  2. Identify who can answer it: salesperson, Council, lawyer, inspector, lender or insurer.
  3. Obtain quotes and further reports where a finding could change your budget or decision.
  4. Have your lawyer align any offer conditions and dates with the checks still needed.

Ask the listing salesperson for the available information early. We can explain the property and sale process; your own advisers assess the legal, technical and financial implications. See our Buyer’s Guide, browse current properties or call 07 827 0222.