Trace the deposit
Keep a clear record of savings, KiwiSaver eligibility, gifts, sale proceeds, or other sources. A lender may need to understand both the amount and where it came from.
Make commitments visible
List credit limits, BNPL accounts, loans, student-loan deductions, dependants, rent, and regular transfers. A nil credit-card balance does not make the limit disappear.
Check income evidence
Employment agreements, payslips, and bank credits should tell a consistent story. Overtime, bonus, commission, board, and secondary work can prompt additional questions.
Separate approval from property checks
A financial assessment and acceptance of a particular property are different decisions. Valuation, insurance, title, construction, and property type may still matter.
Evidence categories to organise
- Proof of identity and address
- Recent income evidence
- Deposit and KiwiSaver trail
- Debt balances and limits
- Regular expense picture
- Property documents when a property is selected
This guide does not account for your full circumstances and is not financial advice, a lending assessment, approval, or offer.