Structured case stages
Clear stages and dependencies, rather than a single ambiguous case status. All sixteen conceptual stages still require verified local authority and accepted case preconditions.
🇳🇿 NEW ZEALAND · MORTGAGE BROKERS
CHAPTER 04 / 06 · THE WORKING JOURNEY
Sixteen stages. Seven phases. One professionally governed journey.
Mortgage advice follows a detailed professional journey, from initial enquiry and disclosures through fact-finding, sourcing, application, underwriting, offer and completion. Our model organises that journey into seven phases and sixteen conceptual stages, with jurisdiction-specific rules still requiring independent approval. Explore the synthetic case below to see what an accountable handoff could look like: the supporting evidence, the responsible professional and the reason a stage may be held pending a decision. No live lender or customer system is connected here.
MORTGAGE CASEWORK & ADVICE GOVERNANCE · Dedicated professional environment
WORKFLOW EXPLORER
01 / 05Initial enquiry and disclosures
Qualified intake, relevant customer permissions and review of disclosures.
Responsible: Broker operations
Illustration only: no live CRM, client or lender data.
CHAPTER 04 · A FULLY TRACEABLE JOURNEY
Sixteen conceptual stages matter only if each one has an accountable gate.
A case progresses from initial enquiry and disclosures through fact-finding, sourcing, recommendation, lender submission, underwriting, offer, completion and retention. The agreed seven-phase, sixteen-stage framework is a planning contract; locally applicable processes must be checked independently before activation.
The illustrative case explorer invites visitors to inspect what is missing and who can decide. Kadpex’s design target is not merely a colourful timeline. It is a reliable connection between evidence, current case state, authorised actions and retained decisions—with no self-authorising jump to the next stage.
THE REVELATION
Can every stage tell you what is missing, who is responsible and what must be approved?
Explore the agreed conceptual mortgage lifecycle, with local legal requirements and lender processes reviewed before any operational use.
Appropriate evidence
Permissioned references and original-source receipts linked to the stage needing them. An external lender submission remains a separate authorised step—not a browser-button assumption.
Human approval at material gates
Advice, recommendations, lender submissions and payments are never authorised by a browser shortcut. Exceptions must retain human ownership, evidence lineage and an immutable account of the outcome.
The complete 7-phase, 16-stage conceptual map
This agreed lifecycle is a planning contract; stage activation and country-specific variation require independent acceptance.
Intake & Compliance
- 01 Initial Inquiry & Lead Discovery
- 02 Regulatory Disclosure & Agreement
Fact-Finding & Analysis
- 03 Comprehensive Fact-Find Execution
- 04 Document Harvesting & Verification
- 05 Credit Profile Assessment
Sourcing & Pre-Approval
- 06 Market Research & Affordability Modelling
- 07 Decision in Principle (DIP) Acquisition
Presentation & Formal Application
- 08 Mortgage Recommendation Presentation
- 09 Full Mortgage Application Submission
Underwriting & Offer
- 10 Lender Underwriting Pipeline Management
- 11 Property Valuation Co-ordination
- 12 Formal Mortgage Offer Review
Processing & Closing
- 13 Legal Conveyancing Liaison
- 14 Ancillary Protection Structuring
- 15 Exchange & Legal Completion
Retention & Renewal
- 16 Post-Completion Review & Long-Term Retention
SYNTHETIC CASE EXPLORER
See what must happen before the case can move.
Select a stage. Inspect the permitted context, the accountable person and the reason an action is held for review.
Enquiry and disclosure
Establish permissions and relevant disclosures
EVIDENCE / SOURCECustomer authorisation and notice receipt
ACCOUNTABLE PERSONBroker operations
APPROVAL GATEHOLD — disclosure review
Synthetic, offline visualisation only. Not evidence of integrated checks, regulator acceptance, completed authorisation or live customer data.
PRODUCT INTEGRITY
This presentation describes Kadpex’s intended architecture and capabilities. Features are not represented as production-available, independently certified or regulator-approved until the necessary tests and reviews are completed. Country selection does not establish legal jurisdiction or staff authority.