Four public resources. No account required.
Use the calculations and checklists first. Decide separately whether you want the monthly briefing or one future-service update.
General education onlyMortgage repayments
See repayments across weekly, fortnightly, and monthly schedules, with a transparent rate sensitivity table.
Application document checklist
Work through the common identity, income, deposit, debt, and property evidence categories at your own pace.
Statement readiness
Learn which statement patterns commonly prompt questions, without uploading or pasting any transactions.
Statement Gage
Try fictional statements to see how income, spending, commitments and explanations can change the questions a lender may ask.
Fictional application cases
Follow simulated New Zealand borrowers and see why evidence, timing, and context can change the questions asked.
What these resources do not do
They do not provide personalised financial advice, predict approval, compare named lenders, or retain your financial inputs. MoreGage does not currently accept mortgage applications.
Read the calculation and tool limitations →