Income credits
Do the payer, timing, and amounts line up with the income evidence? Variable or irregular income may require a longer history.
Useful explanation: purpose · frequency · whether it continues · evidenceStatement readiness—without uploading a statement
Learn the categories that can prompt questions. MoreGage does not accept, paste, process, or store real bank statements at this stage.
General education onlyDebt and limit payments
Repayments can reveal commitments that need to be included even when the balance is elsewhere.
Useful explanation: purpose · frequency · whether it continues · evidenceTransfers
Regular private transfers may be harmless, but the purpose and whether they continue can need explanation.
Useful explanation: purpose · frequency · whether it continues · evidenceFees and short-term credit
Overdraft fees, dishonours, cash advances, and repeated BNPL use can create questions about cashflow and commitments.
Useful explanation: purpose · frequency · whether it continues · evidenceDiscretionary spending
Spending is not automatically bad. The question is whether the stated budget is accurate and sustainable.
Useful explanation: purpose · frequency · whether it continues · evidenceComplete account coverage
A clean-looking account is not meaningful when another account carries income, debts, or material spending.
Useful explanation: purpose · frequency · whether it continues · evidencePrivacy boundary
Do not email or upload bank statements to MoreGage. Once MoreGage is authorised, any document workflow will use the NZFSG-approved system and retention rules.
Read the privacy statement →