Summit · Software for NZ Mortgage Advisers

Your file work, handled.

Summit is the app you run your own files through — drop in a client's documents and get back lender-ready work in minutes: File Assessments, diary notes, client emails, servicing calculators and policy answers.

See Pricing → See the App
Built by a credit writer — software grounded in real NZ adviser craft.
Six
Bank servicing calculators
Zero
Client data retained
All
Major NZ lenders
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The Real Problem

Most advisers don't have a credit writing problem.They have an altitude problem.

You sat with the client. You know the deal. You know what the bank needs to see.

The hard part isn't the strategy — it's the three hours after dinner spent hauling the file up the mountain. The half-written submission sitting in your drafts since last week. The pile of statements at basecamp no one's roped up yet.

Summit carries the load. Drop the client's documents into the app and it does the climb — reading the file, drafting the write-up, filling the servicing calculators, answering the policy questions. You get back lender-ready work in minutes, and you stay in control the whole way.

Summit drafts. You verify. The file summits the same day.

The App

See Summit
at work.

This is the app on your screen — the real thing advisers run their files through.

Summit — name the client, drop in the documents, tick the outputs and generate
One upload · three deliverables

From bundle to brief.

Summit reads every document and does the writing. Name the client, summarise the deal, drag in the whole bundle, tick the outputs and hit Generate. Summit hands back the paperwork in minutes — you bring the judgement.

File Assessment, Diary Note and client email from a single upload. Anything it can't verify is marked TBC — it will not guess, and it never submits.

File Assessment Diary Note Client Email Bank Statement Analysis Financials Servicing Break Fee
The Kit

Everything a file needs
to reach the top.

One upload, seven outputs. Summit reads the bundle; the calculators do the arithmetic by fixed rules — the same answer every time.

Servicing calculators prefilled from the SOP
Tool · Servicing Calculators

The banks' real workbooks, prefilled.

Enter the client profile once — or drop the SOP and let it prefill — and download each bank's own calculator as prepopulated Excel. Generate all five in one pass and see which lenders the deal services with.

ASB · ANZ · BNZ · Kiwibank · Westpac · SBS
Policy Compare — every lender's answer side by side
Tool · Policy Reader & Compare

One question, every lender's answer.

Ask each lender's policy separately, or render every answer side by side — one column per bank. One-click topics from LVR and boarder income to construction, gifting and pre-approvals, or ask anything free-form.

ANZ · ASB · BNZ · Westpac · Kiwibank · TSB · SBS · Co-op · Avanti · Pepper
Basecamp — a live run with step-by-step progress
Basecamp · The desk

Watch the climb.

See every step of a run as it happens — documents read, calculators filled, outputs drafted — alongside current lender UMI floors and calculator versions.

Applications — one record per client with income, lending and savings read from the SOP
Applications · The client record

One file, one record.

Drop the document pack in once. Income, lending, savings and the statement window are read straight from the file and shared across every section.

Statements — reconciled balances, money in and out, and conduct markers
Tool · Statements

Bank statements, reconciled.

Balances, money in and out, account conduct markers and responsible-lending checks from the client's own statements — no AI involved, same answer every time.

Output · File Assessment

The pre-submission punch list.

Address matches between statements and SOP, Companies Register checks, Authority & Declaration on file, the 13 MB compression check. Every TBC and YES/NO is deliberate, not a gap.

Output · Diary Note

The lender-facing credit memo.

Purpose and proposal, background, supporting analysis — drafted. Anything Summit can't verify is marked TBC; it will not guess. You complete the placeholders before submission.

Output · Client Email

Every missing item, requested.

Deal purpose, deposit evidence with account, bank and suffix — lifted into a ready-to-send request to the client, straight from the File Assessment.

§

The golden rule — Summit drafts; you verify. Bank policy changes frequently and every generated document is a starting point. Check figures, policy statements and test rates against current lender policy and your BDM before anything goes to a lender or a client. Summit never submits to lenders itself — the rope stays in your hands.

The Ascent
SUMMIT 0 M

A file, end to end.

This is the route every file takes through Summit — the same climb, every time. No onboarding, no platform to learn: open the app and go.

Base Camp · 320 m DEP

Rope up the file.

Name the client, summarise the deal, bring the whole bundle — SOP, financials, bank statements, payslips. More context at basecamp means sharper outputs at the top.

The Climb · 1,600 m ALT

Read & test.

Mismatches, missing items and open questions get flagged. The finalised SOP prefills every bank's calculator; anything unusual is run through lender policy across your panel.

The Summit · 2,847 m ARR

Verify & lodge.

Complete the TBCs, attach the calculators, sign off and submit through your usual channel. You stay in control the whole way — Summit drafts, you verify, you lodge.

Why St James

Built by a credit writer,
not a tech company.

Summit is built on real NZ credit-writing craft — the standards, lender knowledge and judgement of someone who's climbed these files for years, encoded into the app.

i

Lender-grade writing.

Summit produces documents the way credit assessors want to read them — clean narrative, clear servicing, no ambiguity. The standard of an experienced credit writer, in an app you drive yourself.

ii

Nothing retained.

Client documents are processed to generate your output, then deleted — never stored. Everything runs in Australia (AWS Sydney) and nothing you upload is used to train AI models.

iii

Buy your weekends back.

The write-up that used to eat three hours after dinner now generates in minutes, on your own screen. Evenings back for clients, family, or the next ascent.

Pricing

Simple pricing.
Unlimited files.

All prices are in NZ dollars. No GST is charged. No lock-in — 30 days' notice either way.

Trial
Free
2 files · no card needed

Run your first 2 client files free, on real work.

  • — Every feature of the paid plans
  • — No payment details required
  • — Nothing charges automatically
Request a trial →
Solo Adviser
$200 / month
per adviser · no GST

One adviser, unlimited files.

  • — File Assessment, Diary Note and client email
  • — Servicing calculators across the main banks
  • — Policy Reader and Policy Compare
  • — Unlimited submissions
Get Solo →
Firm
$400 / month
three seats included · no GST

A team of advisers and credit writers sharing one workspace.

  • — Everything in Solo Adviser
  • — Three seats included
  • — Extra seats $120 / month each
  • — Shared firm branding on documents
  • — Firm-level knowledge overrides
Get Firm →
Get started

Get on top of your paperwork — put Summit to work in your practice.

Bring Summit
to your desk.

Summit is onboarding NZ mortgage advisers now. Ask for a trial and we'll set you up on the app — or book a walkthrough first and watch a file go end to end, basecamp to summit.

Email is the best way to reach us. We'll reply within one working day — confirm your plan, and get your login set up so you can run your first file the same day.

Summit runs in your browser — nothing to install to try it. We'll walk you through the setup.

Want to see it first? Ask for a walkthrough — we'll show you a real file going end to end before you commit to anything.

Direct enquiries
Email hello@getsummit.co.nz
Phone +64 — by request
Hours Mon–Fri · 8–6 NZST
Request a Trial →