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We are considering a townhouse where the seller wants an offer near NZ$1,048,000. Competing bids may be above the best completed comparables. We could absorb a modest valuation shortfall, but not an unlimited one. Would you offer near the seller’s number with an appraisal-gap promise capped at...

I’ve now estimated the cash remaining after purchase, which raises a different question. On a 4-bed detached home in Auckland costing about NZ$899,200, I expect to retain around NZ$64,350 once the deposit and current closing estimate are paid. Before deciding whether that is comfortable, what...