Mortgage file support records
For borrowers and advisers
For borrowers, mortgage advisers and finance-adjacent workflows checking ownership, title references and registered interests before finance or settlement conversations. This is not lender-grade verification or finance approval support.
Document ordering support — not professional advice.
See the document journey →What to order, and why
Keep this page secondary; it supports conversations, not lending decisions.
Record of Title
Confirm title and registered interests. Check current ownership, title details and registered interests before finance discussions rely on incomplete information.
- ✓Current ownership
- ✓Title diagram
- ✓Registered interests
Legal Owner Search
Check legal ownership when needed. Use Legal Owner Search when the question is specifically who legally owns the property.
- ✓Legal owner details
- ✓Ownership verification
- ✓File support
Instruments (Documents)
Investigate interests in detail. Order instruments for registered interests that may need review by the borrower’s adviser, lawyer or lender.
- ✓Easements & covenants
- ✓Consent notices
- ✓Registered documents
Use these records to support decisions before the file depends on assumptions. For legal, planning, lending, surveying, building or engineering conclusions, use the appropriate professional adviser.
What this page helps with
CertNZ document ordering workflow for Mortgage advisers & borrowers, focused on title records, plans and registered documents that support due diligence.
What records are useful for mortgage advisers & borrowers?
The most common starting point is a current Record of Title. Depending on the file, a survey plan, instrument document, owner search, guaranteed search or pre-purchase package may also be useful.
Is this professional advice?
No. CertNZ helps order property records. Legal, planning, lending, surveying, building and engineering conclusions should come from the appropriate professional adviser.
When should these records be ordered?
Order records before the decision depends on assumptions — for example before an offer, file review, planning check, site acquisition, quote, finance conversation or settlement step.
Choose another document journey
Same CertNZ products, arranged by decision context rather than a generic product wall.