Your password manager is doing a third of the job.
Passwords are the easy third
Most careful people have solved the password problem. The logins live in a manager, the manager has a good master password, and that corner of life admin feels done.
But look at what the mortgage actually is: a rate, a date the fix ends, a broker's name and mobile, a warning about what not to let them sell you. None of that is a password. None of it fits in a login field. So it lives somewhere else — an inbox, a drawer, one person's head — and the household runs on the assumption that the head stays available.
The missing third is context
If someone else ever needs to step in for you, a list of passwords is close to useless. They need to know which account the electricity comes out of, when the insurance renews, who the broker is and whether to trust him. They need the sentence you'd say over a shoulder: "the rate is fixed until 2027 — don't let them push a new product."
That sentence is the most valuable record in the house, and no tool on the market has a field for it.
The last third is the plan
Context, plus the papers, plus a plan for who sees what and when — that's the whole job. A usable handover includes ownership, process notes, deadlines, and a path to the keys that doesn't depend on anyone's memory during a bad week.
Keep the password manager; it's good at its third. The pouch is for the other two: the context that makes records usable, and the quiet plan for the day someone else opens them.