< All insights & articles

PC120: What homeowners, buyers and developers need to know

Published on
December 4, 2025
Written by
Daniel Kenyon
Natasha Rivai
Emma Bayly
Aaron Grey

Auckland Council has notified Plan Change 120 ("PC120"), a significant update to the Auckland Unitary Plan aimed at delivering housing intensification while improving resilience to natural hazards. Submissions are open until 19 December 2025, and the implications for property buyers, owners, and developers are substantial.

What is PC120?

PC120, which will replace Plan Change 78 (think blanket rules for three-storey builds in residential areas), continues to align with the government's intensification directives, ensuring future capacity, while providing Council stronger tools to manage development in areas facing heightened natural hazard risks, an issue that's become increasingly topical in recent years.  

PC120 proposes to:

  • Rezoning for growth – enable higher density housing and increased building heights (potentially up to 10-15 storeys) in areas near the city centre, metropolitan centres, train stations, and around key transit hubs.
  • Stronger hazard controls - strengthen planning controls for areas prone to natural hazards (such as flood plains and coastal areas), including more restrictive residential zoning in high-risk locations and, in some cases, down-zoning high-risk sites.  

To see how PC120 affects your property, view the draft plan, explore the proposed zoning maps, and make a submission here.

Why PC120 matters?

With these changes now notified, understanding their impact on existing property holdings and before committing to a purchase or advancing a development strategy is critical.

PC120 isn't a minor adjustment. It introduces major shifts in Auckland's planning framework that will directly impact how properties can be used, subdivided, redeveloped, and valued. For owners, buyers, and developers, these changes are creating both risk and opportunity.

Opportunities arise in areas earmarked for intensification, where increased height and density allowances could significantly enhance redevelopment potential and long-term value. Conversely, risks emerge for properties in hazard-prone locations, where stricter controls may limit development options and affect insurance and lending.

Auckland Council LIM reports now incorporate comprehensive natural hazard information, reflecting the immediate legal effect of PC120’s enhanced hazard management provisions. These reports identify overlays for landslide risk, flood risk, coastal erosion, and other hazards that can significantly influence development feasibility and property value. Always obtain the most current LIM directly from Council rather than relying on outdated or third-party copies. Properties flagged for hazard risk may face higher insurance premiums, exclusions, or even declined cover, and lenders may treat them as high-risk security, sometimes refusing finance altogether.

How we can help

We are well-versed in PC120 and, where required, collaborate with our planning partner CivilPlan to provide integrated advice. Together, we can:

  • Assess how PC120 affects the development potential or constraints of a specific property and guide you accordingly. It's not just developers who need to consider this; PC120 can affect property value when selling or rebuilding after events like floods or fires.
  • Prepare targeted submissions on PC120 if your property, project, or wider portfolio may be impacted.
  • Tailor legal due diligence and contracts to reflect new requirements, including sale and purchase agreements and development documentation.
  • Advise on timing and structuring transactions in light of PC120, ensuring decisions and agreements anticipate planning risks.
  • Assist with third-party expert engagements (flood modelling, geotechnical, etc.).

The bottom line is that with PC120 coming into play, in-depth legal due diligence and quality planning advice are more important than ever. 

For planning, engineering, or surveying support, or making a submission contact:

Natasha Rivai, Emma Bayly, or Aaron Grey
natasha@civilplan.co.nz
09 222 2445
www.civilplan.co.nz

For legal advice on contracts, property transactions, or making a submission, contact McVeagh Fleming:

Daniel Kenyon, Kelly Angell, or Ernie Ford
dkenyon@mcveaghfleming.co.nz
09 262 4942
www.mcveaghfleming.co.nz

© McVeagh Fleming 2025
This article is published for general information purposes only.  Legal content in this article is necessarily of a general nature and should not be relied upon as legal advice.  If you require specific legal advice in respect of any legal issue, you should always engage a lawyer to provide that advice.

View all Insights

PC120: What homeowners, buyers and developers need to know

PC120: What homeowners, buyers and developers need to know

Auckland Council has notified Plan Change 120 ("PC120"), a significant update to the Auckland Unitary Plan aimed at delivering housing intensification while improving resilience to natural hazards. Submissions are open until 19 December 2025, and the implications for property buyers, owners, and developers are substantial.

What is PC120?

PC120, which will replace Plan Change 78 (think blanket rules for three-storey builds in residential areas), continues to align with the government's intensification directives, ensuring future capacity, while providing Council stronger tools to manage development in areas facing heightened natural hazard risks, an issue that's become increasingly topical in recent years.  

PC120 proposes to:

  • Rezoning for growth – enable higher density housing and increased building heights (potentially up to 10-15 storeys) in areas near the city centre, metropolitan centres, train stations, and around key transit hubs.
  • Stronger hazard controls - strengthen planning controls for areas prone to natural hazards (such as flood plains and coastal areas), including more restrictive residential zoning in high-risk locations and, in some cases, down-zoning high-risk sites.  

To see how PC120 affects your property, view the draft plan, explore the proposed zoning maps, and make a submission here.

Why PC120 matters?

With these changes now notified, understanding their impact on existing property holdings and before committing to a purchase or advancing a development strategy is critical.

PC120 isn't a minor adjustment. It introduces major shifts in Auckland's planning framework that will directly impact how properties can be used, subdivided, redeveloped, and valued. For owners, buyers, and developers, these changes are creating both risk and opportunity.

Opportunities arise in areas earmarked for intensification, where increased height and density allowances could significantly enhance redevelopment potential and long-term value. Conversely, risks emerge for properties in hazard-prone locations, where stricter controls may limit development options and affect insurance and lending.

Auckland Council LIM reports now incorporate comprehensive natural hazard information, reflecting the immediate legal effect of PC120’s enhanced hazard management provisions. These reports identify overlays for landslide risk, flood risk, coastal erosion, and other hazards that can significantly influence development feasibility and property value. Always obtain the most current LIM directly from Council rather than relying on outdated or third-party copies. Properties flagged for hazard risk may face higher insurance premiums, exclusions, or even declined cover, and lenders may treat them as high-risk security, sometimes refusing finance altogether.

How we can help

We are well-versed in PC120 and, where required, collaborate with our planning partner CivilPlan to provide integrated advice. Together, we can:

  • Assess how PC120 affects the development potential or constraints of a specific property and guide you accordingly. It's not just developers who need to consider this; PC120 can affect property value when selling or rebuilding after events like floods or fires.
  • Prepare targeted submissions on PC120 if your property, project, or wider portfolio may be impacted.
  • Tailor legal due diligence and contracts to reflect new requirements, including sale and purchase agreements and development documentation.
  • Advise on timing and structuring transactions in light of PC120, ensuring decisions and agreements anticipate planning risks.
  • Assist with third-party expert engagements (flood modelling, geotechnical, etc.).

The bottom line is that with PC120 coming into play, in-depth legal due diligence and quality planning advice are more important than ever. 

For planning, engineering, or surveying support, or making a submission contact:

Natasha Rivai, Emma Bayly, or Aaron Grey
natasha@civilplan.co.nz
09 222 2445
www.civilplan.co.nz

For legal advice on contracts, property transactions, or making a submission, contact McVeagh Fleming:

Daniel Kenyon, Kelly Angell, or Ernie Ford
dkenyon@mcveaghfleming.co.nz
09 262 4942
www.mcveaghfleming.co.nz

Subscribe to receive updates

I would like to receive updates for:
Thank you for subscribing. Your submission has been received!
Oops! Something went wrong while submitting the form. Please try again.