Traditional home loan assessments in New Zealand have long focused on consistent payslips as proof of financial stability. However, lenders are increasingly recognizing that a regular salary doesn’t always represent a complete financial picture for potential homeowners. The core issue isn’t whether Kiwis *can* afford mortgage payments, but if their overall financial situation can be substantiated with supporting documentation. This shift acknowledges the changing nature of income and financial circumstances in New Zealand. A reliance solely on payslips can overlook alternative income streams or a more complex financial history. Consequently, prospective borrowers in New Zealand need to be prepared to provide a broader range of evidence to support their loan applications. This change highlights the need for a more holistic approach to assessing financial viability for home lending in New Zealand.