YMT Workbench
AI: …

Fact Find Check

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

Calder β€” first home, FranktonDonaldson β€” investment, InvercargillWirihana β€” new build, Hanley’s FarmPaterson β€” refinance + top-up, WanakaLindqvist β€” apartment, Queenstown CBD
Sofia's first home application needs 5 more documents before it's submission-ready. The request email below is ready to send.

Identity

  • Photo ID (passport or NZ driver licence)
    Sofia Lindqvist
    βœ“ provided
  • Proof of address (recent utility bill or statement)
    Sofia Lindqvist
    missing

Income

  • Last 3 payslips
    Sofia Lindqvist
    βœ“ provided
  • Employment confirmation letter (role, tenure, salary)
    Sofia Lindqvist
    βœ“ provided

Financial

  • 3 months transaction-account statements
    Sofia Lindqvist
    βœ“ provided
  • KiwiSaver statement
    Sofia Lindqvist
    missing

Deposit & property

  • Evidence of deposit / genuine savings (3 months)
    missing
  • Sale & purchase agreement
    missing

Personal

  • Visa / residency documentation
    Sofia Lindqvist
    missing
  • First-home-buyer statutory declaration (if using a scheme)
    missing

Outstanding

5 item(s) to collect

  • !Proof of address (recent utility bill or statement) (Sofia Lindqvist) β€” not yet provided
  • !KiwiSaver statement (Sofia Lindqvist) β€” not yet provided
  • !Evidence of deposit / genuine savings (3 months) β€” not yet provided
  • !Sale & purchase agreement β€” not yet provided
  • !Visa / residency documentation (Sofia Lindqvist) β€” not yet provided

Client request email

Drafted, never auto-sent

Hi Sofia,

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

Identity:
  β€’ Proof of address (recent utility bill or statement)

Financial:
  β€’ KiwiSaver statement

Deposit & property:
  β€’ Evidence of deposit / genuine savings (3 months)
  β€’ Sale & purchase agreement

Personal:
  β€’ Visa / residency documentation

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