New Zealand Mortgage Foreign Income Translation for Affordability Checks
Using overseas income for a New Zealand mortgage is not just a matter of showing a payslip. Lenders need English evidence they can verify for responsible lending, DTI, tax, currency, and income-stability checks. This guide explains when foreign income, tax returns, bank statements, and employment records should be translated, what to translate, what not to overdo, and how to prepare a lender-ready document pack without confusing certified translation with notarisation, apostille, or source-of-funds review.