Getting over the Finish Line on your Fact Find

📦 What You’ll Need Before You Start

Give yourself about 30–45 minutes, and gather this gear:

• ✔️ Your phone (for 2FA or screenshots)
• ✔️ Logins to your online banking and MyIR
• ✔️ Access to your email
• ✔️ A scanner or your phone camera (for any paper docs)
• ✔️ A computer — seriously, it’ll make this 10x easier

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📁 What You’re Uploading

To give your Aera coach everything they need to secure your mortgage, you’ll need to upload the following into the portal:

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1. Passport ID

• A clear scan or photo of the first two pages of your valid passport
• Must include your photo, full name, date of birth, signature, and expiry date

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2. Proof of Current Residential Address

Choose one of the following documents, dated within the last 3 months:

• A power, internet, or phone bill
• Your rental agreement
• A bank statement showing your current address
• ✔️ Must include both your full name and current address

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3. Bank Account Summary Screenshot

• Log in to your internet banking
• Take a screenshot of the account summary page showing:
  • Your name
  • Each account name/number
  • Current balances for every account at your bank
  • 🔐 If you bank with multiple providers, repeat for each one

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4. Full Bank Statements (Last 3 Months)

For every account you hold, including:

• Everyday/transactional accounts
• Savings accounts
• Credit card accounts
• 📄 Statements must show:
• Every transaction for the last 90 days (not summaries)

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5. Debt Balances / Statements (Last 3 Months)For all Debts that you hold, including:

• Afterpay
• Hire Purchase
• Personal Loans
• Car Loans

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6. KiwiSaver First Home Withdrawal Eligibility Letter

• Request this directly from your KiwiSaver provider
• It confirms you’re eligible to withdraw funds for a first home
• Each provider has a different method

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7. Proof of Employment

• Upload your three most recent payslips

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‍8. IRD Earnings Summary (Last 12 Months)

• Download this from your MyIR account
• Make sure it covers:
  • The most recent 12 months
  • Your total earnings
  • A month-by-month breakdown of income

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🏡 KiwiSaver First Home Withdrawal Eligibility Letter Guide

Before applying for a first home withdrawal, you'll need an eligibility letter from your KiwiSaver provider. Here's how to get it from the top 15 providers:

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1. ASB

• Contact: Visit ASB KiwiSaver for more information.

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2. ANZ

• Contact: Visit ANZ KiwiSaver for more information.

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3. BNZ

• Contact: Visit BNZ KiwiSaver for more information.‍

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4. Westpac

• Contact: Visit Westpac KiwiSaver for information.‍

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5. Fisher Funds

• Contact: Visit Fisher Funds Support for more information.

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6. Booster

• Contact: Visit Booster KiwiSaver for more information.

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7. Milford

• Contact: Visit Milford KiwiSaver for more information.

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8. Simplicity

• Contact: Visit Simplicity KiwiSaver FAQs for more information.

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9. Generate

• Contact: Visit Generate FAQs for more information.

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10. AMP

• Contact: Visit AMP KiwiSaver for more information.‍

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11. Mercer

• Contact: Visit Mercer KiwiSaver for more information.

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12. Aon

• Contact: Visit Aon KiwiSaver for more information.

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13. Craigs Investment Partners

• Contact: Visit Craigs FAQs for more information.

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14. NZ Funds

• Contact: Visit NZ Funds KiwiSaver for more information.

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15. Kiwi Wealth

• Contact: Visit Kiwi Wealth KiwiSaver for more information.