Fact Find Check

A precise, per-applicant document request — driven by an encoded NZ requirements rulebook. No retrieval, no AI in the logic.

Calder — first home, Frankton Donaldson — investment, Invercargill Wirihana — new build, Hanley’s Farm Paterson — refinance + top-up, Wanaka Lindqvist — apartment, Queenstown CBD

Hamish & Priya's first home application needs 9 more documents before it's submission-ready. The request email below is ready to send.

Identity

Photo ID (passport or NZ driver licence)
Hamish Calder
✓ provided
Photo ID (passport or NZ driver licence)
Priya Calder
✓ provided
Proof of address (recent utility bill or statement)
Hamish Calder
missing
Proof of address (recent utility bill or statement)
Priya Calder
missing

Income

Last 3 payslips
Hamish Calder
✓ provided
Last 3 payslips
Priya Calder
missing
Employment confirmation letter (role, tenure, salary)
Hamish Calder
missing
12-month income history for seasonal/variable income
Priya Calder
missing

Financial

3 months transaction-account statements
Hamish Calder
✓ provided
3 months transaction-account statements
Priya Calder
✓ provided
Statements for credit cards / personal loans / BNPL (most recent)
Hamish Calder
✓ provided
Statements for credit cards / personal loans / BNPL (most recent)
Priya Calder
✓ provided
KiwiSaver statement
Hamish Calder
missing
KiwiSaver statement
Priya Calder
missing

Deposit & property

Evidence of deposit / genuine savings (3 months)
missing
KiwiSaver first-home withdrawal confirmation
✓ provided
Signed gifting letter (funds confirmed non-repayable)
unsigned
Sale & purchase agreement
✓ provided

Personal

First-home-buyer statutory declaration (if using a scheme)
missing

Outstanding

9 item(s) to collect

!Proof of address (recent utility bill or statement) (Hamish Calder) — not yet provided
!Proof of address (recent utility bill or statement) (Priya Calder) — not yet provided
!Last 3 payslips (Priya Calder) — not yet provided
!Employment confirmation letter (role, tenure, salary) (Hamish Calder) — not yet provided
!12-month income history for seasonal/variable income (Priya Calder) — not yet provided
!KiwiSaver statement (Hamish Calder) — not yet provided
!KiwiSaver statement (Priya Calder) — not yet provided
!Evidence of deposit / genuine savings (3 months) — not yet provided
!Signed gifting letter (funds confirmed non-repayable) — unsigned

Client request email

Drafted, never auto-sent

Hi Hamish and Priya,

Thanks for getting your application underway with us. To keep things moving, could you please send through the following:

Identity:
  • Proof of address (recent utility bill or statement) — Hamish
  • Proof of address (recent utility bill or statement) — Priya

Income:
  • Last 3 payslips — Priya
  • Employment confirmation letter (role, tenure, salary) — Hamish
  • 12-month income history for seasonal/variable income — Priya

Financial:
  • KiwiSaver statement — Hamish
  • KiwiSaver statement — Priya

Deposit & property:
  • Evidence of deposit / genuine savings (3 months)
  • Signed gifting letter (funds confirmed non-repayable)

You can reply with these attached, or load them into your Trail portal. Any questions, just give us a call.

Ngā mihi,
Your Mortgage Team