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

Jake & Aroha's construction application needs 6 more documents before it's submission-ready. The request email below is ready to send.

Identity

Photo ID (passport or NZ driver licence)
Jake Wirihana
✓ provided
Photo ID (passport or NZ driver licence)
Aroha Wirihana
✓ provided
Proof of address (recent utility bill or statement)
Jake Wirihana
missing
Proof of address (recent utility bill or statement)
Aroha Wirihana
missing

Income

Last 3 payslips
Aroha Wirihana
✓ provided
Employment confirmation letter (role, tenure, salary)
Aroha Wirihana
missing
2 years financial statements + IR tax returns
Jake Wirihana
✓ provided
Recent GST returns (if registered)
Jake Wirihana
✓ provided

Financial

3 months transaction-account statements
Jake Wirihana
✓ provided
3 months transaction-account statements
Aroha Wirihana
✓ provided
Statements for credit cards / personal loans / BNPL (most recent)
Jake Wirihana
✓ provided
KiwiSaver statement
Jake Wirihana
missing
KiwiSaver statement
Aroha Wirihana
missing

Deposit & property

Evidence of deposit / genuine savings (3 months)
missing
Registered valuation (where required)
missing
Fixed-price building contract + plans + council consent
✓ provided

Outstanding

6 item(s) to collect

!Proof of address (recent utility bill or statement) (Jake Wirihana) — not yet provided
!Proof of address (recent utility bill or statement) (Aroha Wirihana) — not yet provided
!Employment confirmation letter (role, tenure, salary) (Aroha Wirihana) — not yet provided
!KiwiSaver statement (Jake Wirihana) — not yet provided
!KiwiSaver statement (Aroha Wirihana) — not yet provided
!Evidence of deposit / genuine savings (3 months) — not yet provided

Client request email

Drafted, never auto-sent

Hi Jake and Aroha,

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) — Jake
  • Proof of address (recent utility bill or statement) — Aroha

Income:
  • Employment confirmation letter (role, tenure, salary) — Aroha

Financial:
  • KiwiSaver statement — Jake
  • KiwiSaver statement — Aroha

Deposit & property:
  • Evidence of deposit / genuine savings (3 months)

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