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What documents do I need for a mortgage application?

If you're thinking of applying for a mortgage in New Zealand, it's important to be aware of the documents you'll need to have on hand. While the process may seem daunting, being prepared can help you get approved quicker and with fewer headaches. Here's a quick overview of the documents you'll typically need for a mortgage application in New Zealand.

Proof of identity and address First and foremost, you'll need proof of your identity and address. This can include your passport, driver's licence, or birth certificate, as well as a recent utility bill or bank statement with your current address on it.

Proof of income You'll also need to provide proof of income, such as pay slips, tax returns, or bank statements showing regular deposits.

Evidence of savings and financial conduct In addition, you'll need to show evidence of your savings and financial assets, such as any investments, savings accounts, or property you own, as well as showing that you are able to pay bills on time and don’t miss payments for things like power, internet and insurance. This will help the lender assess your financial stability and financial conduct as well as your ability to repay the loan.

Info about the property you’re buying You'll need to provide information about the property you're buying, including its value, location, and any other relevant details. This may include a valuation report, title search, and insurance information.

Overall, the key to a successful mortgage application is being organised and prepared. By gathering these documents ahead of time, you'll be in a much better position to secure the mortgage you need to buy your dream home. If you’d like some help pulling together your documentation, get in touch and let’s go through the process together!


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