What to Have on Hand
Your broker needs a fairly complete financial picture to match you to the right lender. This means proof of income, identification, and a clear view of your regular spending and existing debts — the same information any lender will ultimately want to see, just gathered once instead of repeatedly.
Having everything ready before your first meeting speeds up the whole process significantly, since incomplete documentation is one of the most common causes of delay.
Standard Documents to Prepare
Most lenders and brokers ask for a similar core set.
Photo ID
A valid driver's licence or passport to confirm your identity.
Income proof
Recent payslips, employment confirmation, or tax returns showing regular income.
Bank statements
Most lenders want the three most recent months from your everyday account.
Details of debts and assets
Credit cards, personal loans, KiwiSaver balance, and any other lending or savings.
Financial Accounts
IRD Documentation
Incomplete documentation is one of the most common causes of delay in a mortgage application — gather everything before your first meeting.
Quick Summary
- Core documents: ID, income proof, and 3 months of bank statements.
- Self-employed borrowers also need accountant-prepared financial statements.
- Being prepared upfront significantly speeds up your application.