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On-sold over-cap properties

On 15 August 2019 the Government announced a policy that enables owners of on-sold over-cap properties in Canterbury to apply for an ex gratia Government payment to have their homes repaired.  

If you’ve bought a home in Canterbury and discovered that it is damaged over the EQC cap, you may be eligible for a payment to cover the cost of repair under this Government support package. 

Under the policy, you will have twelve months (no later than 14 August 2020) to register your interest for the ex gratia payment. After that time, the policy will not be available. 

If you qualify you may be able to receive a payment equal to the agreed cost of repair. 

How to qualify for the support package

You may be eligible to receive the payment under the support package if you meet all of the following: 

  1. You must be the current owner of the property.
  2. Your application must have been made on or before 14 August 2020
  3. You must have purchased the property within the specified time period. To meet the requirement, you must have:
    1. made your offer to purchase the property after the natural disaster damage arising from the Canterbury Earthquake Sequence occurred to the property; and
    2. made your offer to purchase the property on or before 15 August 2019.
  4. If your Offer was subject to a Building Condition, you must have satisfied or waived that Building Condition on or before 15 August 2019.
  5. The original owner(s) of the property must have lodged at least one claim with EQC.
  6. Before you made your offer to purchase the property the claim(s) lodged by the original owner(s) to which an ex gratia payment relates must have already been assessed by EQC and determined to be under-cap.

If you would like to register your interest for the ex gratia payment please use this online on-sold property register of interest form.
Alternatively use our printable register of interest PDF form.

You can also call us on 0800 DAMAGE (326 243) or email 

What is payable under the policy

The purpose of the Government support package is to provide ex gratia payments to eligible owners of On-Sold properties, to cover the over-cap portion of the cost to repair natural disaster damage arising from the Canterbury Earthquake sequence associated with failed repairs or missed damage.

Read our factsheet for more information about the Government support package 

Who else can help? 

  • Greater Christchurch Claims Resolution Service 
    (GCCRS) provides free, impartial claim advice and coordination. Call GCCRS on 0508 624 327, visit their office at Level 2, 145-161 Cashel Street, Christchurch or read more at 

  • Canterbury Support Line provides support for a range of social and wellbeing issues, including access to support and information for dealing with earthquake-related matters. Call the Support Line on 0800 777 846, open 24 hours every day, for free and confidential information. 

If you’re looking to buy a property it is important to consider the due diligence process. You can read about getting help to assess risks in an area affected by earthquakes, floods or other natural disasters when buying a house, on the Consumer Protection website

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