fbpx

Preparing For Your Mortgage – Documentation

This article is current as at September 2021

Being prepared isn’t just for Scouts. When applying for a mortgage you can significantly reduce wait time by providing all required documentation upfront.

Documentation you may need:

  • A copy of your current passport (or driver license and birth certificate).
  • If you are employed:
    • your 3 most recent payslips.
    • 2 years confirmation of any bonuses you receive.
  • If you are self-employed:
    • accountant prepared financials.
  • 3 months of your spending account statements (Note: these must include the bank accounts that receive your wages).
  • 3 months of your savings account statements.
  • A printout or screenshot showing the balance of any KiwiSaver accounts (only required if you plan to use KiwiSaver for your deposit).
  • If you are receiving a gift from your family:

The above probably looks like a lot of documentation! But it actually amounts to: ID, income, bank statements and proof of deposit.

Join over 10,000 other people receiving our latest articles!

Optional documents:

These documents aren't necessary at the approval stage. However showing them can make the bank more relaxed about your application.

  • If you are looking at a specific property, provide any property documents you have. Usually this arrives as a tender pack or an auction pack from the real estate agent.
  • If you are purchasing the property in a trust:
    • a copy of the trust deed.
  • If you have a student loan:
    • a copy of your student loan balance from the IRD website.
  • If you are purchasing an investment property:
    • a copy of a rental assessment from a rental firm or a real estate agent.

Any bank that receives this information at the time of the application will happily assess your file as quickly as possible.


Mortgage Lab’s mission is to be the digital town square for financial decision-makers to gain knowledge about their current and future mortgage. Follow us on Facebook and LinkedIn or subscribe to our newsletter to be notified of our latest articles.

Related Articles

Deposits: How much do you need for your first home?

If you have less than 20% deposit, you are referred to (by the banks) as a Low Equity (or Deposit) Borrower. You are required to meet a different set of…

Read More

This article is available in Chinese here. If you’re looking into whether you can afford an investment property, you’re not alone. Owning rental properties is a common kiwi dream. Many…

Read More

拥有出租物业是新西兰人的普遍梦想。我们中的许多人都设想退休后会拥有几个或更多的永久业权财产,每周都会带来大量的钱来补充我们的养老金。

Read More

Buying a home with friends

With house prices at record heights and not everyone having access to help from the Bank of Mum and Dad, many Kiwis are asking whether it is worth buying with…

Read More