Fictional application cases
These simulated borrowers let us show realistic financial evidence without exposing any real person or implying a real MoreGage outcome.
Fictional cases · education onlySame mortgage, different behaviour
Two established characters use the same hypothetical revolving-credit facility differently over twelve simulated months.
Compare the cases →Simulated borrower · ChristchurchTalia’s new role
A new higher-paid job improves the numbers, but probation and limited history change which evidence carries weight.
Open the case →Simulated borrower · RotoruaChris mixes business and personal money
A busy building business has plenty of transactions, but drawings, tax, vehicle finance, and private transfers make usable income harder to see.
Open the case →Simulated borrower · NapierAroha’s conduct story
Good PAYE income sits alongside repeated gambling transactions. Apparent improvement is not the same as a complete account history.
Open the case →Why fictional?
We use fictional cases to protect private client information and to explain more situations without breaching anyone’s privacy. The names, figures, documents, and outcomes are made up, but the questions and patterns are based on real-world mortgage and financial situations.