Chattels List in NZ: Must-Know Inclusions for Property Buyers

When dealing with properties, the term “chattels” often comes up in conversations between lawyers, agents, and buyers simply looking for the perfect home, but what does it actually mean? 

If you’re one of them, understanding what counts as a chattel in New Zealand can help you avoid legal confusion and disappointments in the long run. Later in the process, a chattel list becomes essential for clearly outlining which of these movable items are included in the sale.

What are chattels?

Chattels are movable property items that are not permanently attached to the land, home, or building. In simple terms, it means everyday living items the owner can take with him, such as devices for housework or appliances.

It is different from fixtures, which are permanently built-in and stay with the property. Examples are central heating systems, carpet and flooring, and light fixtures. Understanding this main difference is crucial to avoid future disputes. The legal distinction between chattels and fixtures is outlined in New Zealand’s Property Law Act 1952.

Examples of chattels in NZ

Examples of chattels in NZ are common detachable or removable household items. These may include but are not limited to:

• Freestanding whiteware: refrigerators, microwaves, washing machines

• Furniture: dressers, beds, dining tables, sofas

• Other appliances: Lawn mowers, garden tools, heat pumps

• Home accessories: Curtains, blinds, garage remotes, plug-in appliances

The list of inclusions entails different responsibilities, so discussing this matter before or after a certain purchase agreement is a must.

What should be included in a chattels list?

A well-defined chattels list can vary from one property to another, so one must secure a detailed, itemized inventory of all movable property items which are part of the sale. This eliminates confusion in the case of loss or dispute, ownership claims, and estate planning. The following must be considered when acquiring a thorough list:

• All inclusions are cited according to their specific brands and models. For instance, instead of simply putting “coffee machine,” the exact make and model should be present.

• The condition of the items are clearly stated since chattels must be working if they are included in the sale. Compliant to the standard ADLS Agreement for Sale and Purchase of Real Estate, the seller is required to note in the list and agreement if a certain chattel is not in reasonable working order.

• The date of purchase and photos of the chattels are available for accuracy.

Why chattels are important for home buyers

Effectively detailing which items are chattels can save buyers from unexpected disappointments and shortcomings after settlement. It will also be more efficient in time and effort when identifying to whose responsibility of maintenance and repair such property items may belong. 

For example, you might assume certain appliances were included or working only to find they were removed or broken. Often, disputes also happen due to damage or loss with no party taking accountability for it. That is why having a clear chattels list early on is essential, especially when purchasing property with long-term value in mind. 

If you're considering growing your portfolio, buying an investment property with equity is another strategic step where due diligence, like reviewing the chattels list, becomes even more critical.

Conclusion

Learning about what chattels are and what they are not sets your direction to smoother and better property transactions. It ensures not only efficiency, but also fairness for all parties involved. 

If you’re buying or selling a home, requesting a detailed chattels list early in the process helps prevent future misunderstandings and potential disputes. For more insights on property transactions, visit our full library of guides and resources.

Frequently asked questions

What are personal chattels in NZ?

Personal chattels in New Zealand are movable items owned by an individual, like furniture, electronics, clothing, and appliances, that are not permanently attached to land or buildings.

What are chattels in a rental property in NZ?

In a rental property, chattels are landlord-provided items like curtains, whiteware, or heaters that remain on-site for tenant use and are listed in the tenancy agreement.