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

Greg & Sue's refinance application needs 7 more documents before it's submission-ready. The request email below is ready to send.

Identity

Photo ID (passport or NZ driver licence)
Greg Paterson
✓ provided
Photo ID (passport or NZ driver licence)
Sue Paterson
✓ provided
Proof of address (recent utility bill or statement)
Greg Paterson
missing
Proof of address (recent utility bill or statement)
Sue Paterson
missing

Income

Last 3 payslips
Greg Paterson
✓ provided
Last 3 payslips
Sue Paterson
✓ provided
Employment confirmation letter (role, tenure, salary)
Greg Paterson
missing
Employment confirmation letter (role, tenure, salary)
Sue Paterson
missing

Financial

3 months transaction-account statements
Greg Paterson
✓ provided
3 months transaction-account statements
Sue Paterson
✓ provided
Statements for credit cards / personal loans / BNPL (most recent)
Greg Paterson
✓ provided
KiwiSaver statement
Greg Paterson
missing
KiwiSaver statement
Sue Paterson
missing

Deposit & property

Evidence of deposit / genuine savings (3 months)
missing
Registered valuation (where required)
missing
Current mortgage statements (6 months)
✓ provided

Outstanding

7 item(s) to collect

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

Client request email

Drafted, never auto-sent

Hi Greg and Sue,

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) — Greg
  • Proof of address (recent utility bill or statement) — Sue

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

Financial:
  • KiwiSaver statement — Greg
  • KiwiSaver statement — Sue

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