dave77

Hey!

Time is drawing near now til our big day and I was wondering if it was worth taking any kind of credit/banking history with us to NZ? eg. letters from bank, statement history etc.

We will be renting for the first 6-7 months anyway so won't be looking at a mortgage just yet. Would this time in NZ give me enough of a rating to be able to secure a mortgage out there, or would I need further info from the UK?

Best regards

MattandJax

hi.
we didnt need anything. we started off a bank account in England on line (westpac for immigrants) Then activated when we landed- where we were given our debit cards. after opening our bank account we were able to also get credit cards.
we got new contract sim cards easily just by waling into a vodafone store. we were worried about having no credit history but they seem to be used to immigrants starting out and just need your passport, details of job, and proof of address.

sirplug

Use the first 6 months to get a bank account and start saving on a regular weekly or monthly basis. Get a credit card and use it for purchases, whilst paying the bill in full each month, after 6 months you'll be laughing.....

dave77

Thanks for the advice, that makes life easier

LukeandJo

Who's to say that a bank in NZ doesn't have access to your credit history over here in the UK.

dave77

Great if they do, it will save me a job having to get old statements etc. together

sirplug

They do but need your permission to access them. If you have more than 20% deposit and can show regular savings in your account, they won't need to access the UK info (my experience so far)

simonsi

Would be more helpful to state whether you know they do, think they do or are just speculating that they might with no evidence either way???

Most of the banks here have different levels of tie-up/relationship with a major UK bank so it may differ by NZ bank in any case...