Self Employed Pre-approval checklist for your mortgage

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There are a number of documents that you’ll need to fill out and supply.

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Complete the ​​MCAA Declaration Form​

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• Bank Statements

  • Regular transaction account - Three Months​

    • These are to show your regular expenses & income​

  • Savings statements - Six Months​ or Confirmation of Deposit

    • These are to show that you have saved for your deposit​

    • These also show how much you have available for your deposit

    • If you don't have funds in your savings account, then you'll need a confirmation of deposit.​​

  • Business Account Statements​

    • Three months statements to show nature of business income & expenses.​
       

• Financial Accounts​​

  • The banks prefer to have the last two years' financial statements. We can possibly circumnavigate this issue if you have been in business for less than 2 years. Please reach out to discuss.
     

• Proof of identity​​

  • Driver's License or Passport​

    • Take a photo of your documents with your phone, and message them to 027 4355 000 or email them to stuart@mcaa.co.nz​​​

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If you are Re-Financing

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• Loan Statements

  • Six months Loan Repayment Statements - for all loans.
     

If you are Building

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• Copy of your Building Contract

• Copy of the Plans & Specifications

• Copy of Council Building Consent

• Copy of Registered Valuation

  • These are generally required to establish the value upon completion​

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