OWN IT readiness workspace

Turn bank data and documents into a deposit plan.

A guided view for a household with one dependent: import accounts, add supporting documents, check debt pressure, and compare renting steady against buying through shared home ownership.

Demo note: this uses anonymised sample data. The screens show a possible consented import and analysis flow; no live account or document connection runs here.

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Household 1 adult + 1 dependent

Deposit available $34.8k

Monthly surplus $1.1k

Readiness date Mar 2027

Guided import

Load the household picture

Household profile

People, documents, debts

Debt details

Add a liability

Analysis

What the imported picture says

Money available for deposit $34,800

Savings, usable KiwiSaver first-home amount, and investments marked as available.

Debt to clear first $8,650

Credit card, vehicle finance, and any added liabilities.

Steady savings pace $1,100/mo

Estimated after regular commitments, rent, and one dependent costs.

Deposit gap $5,700

Gap to the current 5% OWN IT deposit estimate.

Monthly pattern

Cashflow after import

Discussion prompts

Next best questions

Calculation sketch

How the numbers are put together

Income salary + partner income if added

Minus commitments rent, debt payments, child costs, regular bills

Equals savings pace steady amount available for deposit planning

Plus deposit sources savings, KiwiSaver first-home amount, investments

Scenario tabs

Compare the two paths

Renting

Scenario

Deposit position $0

Ready by Mar 2027

Debt position $0

Monthly room $0