Back to all packs
Finance ready
Mortgage Pre-Approval Pack
A document and question checklist before you speak with a bank or mortgage adviser.
What to check and prepare
Use this as a prep layer before you speak to a qualified professional. Information only — not financial or legal advice.
- Income, expense, debt, deposit, KiwiSaver, and ID document checklist
- Questions to ask a mortgage adviser before you rely on a pre-approval
- Low-deposit and LVR points to check if you have under 20% deposit
- Repayment stress-test prompts for higher-rate scenarios
Information only — not financial or legal advice.
This pack is a general guide for New Zealand first-home buyers. It does not account for your personal financial situation, property, or goals. FHBG has no active commission relationship — no referral fee or commission should be inferred from this page. Always verify current rules with official sources and talk to a qualified professional before making a purchase decision.