Built for mortgage & financial advisors
Bank statements, without the paperwork
Clients share their bank data securely via open banking in minutes, and AffordX turns it into a categorised, lender-ready affordability analysis automatically. No printing, scanning, or chasing PDFs.
How it works
Three simple steps. No paperwork required.
Collecting bank statements used to be the slowest part of an application. AffordX replaces the print-scan-email scramble with a single secure link.
Invite your client
Send a secure, branded link from the client's application in one click.
Client connects their bank
They log in through their own bank using open banking and consent to share read-only transaction data — in minutes, from any device.
Get instant analysis
AffordX automatically categorises every transaction into income, expenses, loan repayments and transfers — ready for you to review.
From raw transactions to lender-ready affordability
Everything you need to assess serviceability with confidence — calculated automatically, editable by you.
Automatic categorisation
Every transaction sorted into income, expenses, loan repayments, internal transfers and more — no manual data entry.
Serviceability snapshot
Free cash flow, recurring income, income variability, debt-to-income and essential-vs-discretionary spend, computed for you.
Responsible-lending checks
Automatic flags for gambling, dishonours, unarranged overdrafts, BNPL, bank fees and ATM cash withdrawals.
Review and re-categorise
Adjust any transaction's category or frequency, flag items with a note, or ignore one-offs — individually or in bulk.
Client expense declaration
Send selected spending categories back to the client to confirm, and compare their declared figures against the verified actuals.
Report-ready in one click
Export a clean PDF summary, or generate a full AI affordability report combining statements, payslips and tax returns.
The advisor view
See the whole financial picture
The Bank Statement Summary brings accounts, balances, income, spending and conduct into one view — so you can assess affordability in minutes, not hours.
- Money in vs money out across every account
- Aggregate balance and days in negative
- Income, expenses and loan repayments, categorised
- Essential vs discretionary spending split
- Debt-to-income and credit utilisation
- Client-declared figures beside verified actuals
Connects securely with all major New Zealand banks
Your clients connect the accounts they already use — no new logins, no switching.
Secure & regulated
Built for security. Designed for trust.
Bank data is collected through regulated open banking, and your clients stay in control the whole way.
256-bit encryption
All data is protected in transit and at rest with bank-grade SSL encryption.
Read-only access
AffordX can read transactions to build the analysis — it can never move money or make changes.
Credentials never stored
Clients log in with their own bank; their banking credentials are never seen or stored by AffordX.
Privacy Act 2020 compliant
Data is handled in line with New Zealand's Privacy Act 2020, and shared only with their advisor.