Specialist Lending

Sometimes it’s not easy, but we make it simple.

We offer short term, customised lending solutions to get your clients from A to B. Providing accessible solutions that enable people to achieve their goals.

How our loans work

We offer non-CCCFA bridging finance. We are fast, efficient, and understand every borrower’s situation is different. We focus on specialist property lending for situations that need special attention. Providing accessible solutions that enable people to achieve their goals.

People are our priority. That’s why we have both lending packages and bespoke solutions to fit your client’s individual needs.

So, if your loan request fits some but not all criteria, have a chat with us. We believe there’s a way to make things work.

Our lending criteria

Investment Property
Development & Construction
Commercial
Lifestyle
Land
LVR
Up to 70%
50% prior to construction and 65% of completed value
Up to 60%
Up to 60%
Up to 60%
Loan term
3 - 24 months
6 - 18 months
3 - 24 months
3 - 24 months
3 - 24 months
Valuation from SCP panel valuer
Case-by-case
Yes
Yes
Yes
Yes
Lender fee
From 1.25%
From 2.25%
From 2%
From 2%
From 2%
Individual requirements
Max loan of $5 million
Fixed price build contract required
Location dependent
Location and size restrictions will apply
Location and size restrictions will apply
*The above is a guide only and all loans will be assessed on a case-by-case basis 
** Minimum loan amounts may apply


Our lending criteria

Investment Property

LVR
Up to 70%
Loan term
3 - 24 months
Valuation from SCP panel valuer
Case-by-case
Lender Fee
From 1.25%
Individual requirements
Max loan of $5 million

Development & Construction

LVR
50% prior to construction and 65% of completed value
Long term
6 - 18 months
Valuation from SCP panel valuer
Yes
Loan term
From 2.25%
Loan term
Fixed price build contract required

Commercial

LVR
Up to 60%
Long term
3 - 24 months
Valuation from SCP panel valuer
Yes
Loan term
From 2%
Loan term
Location dependent

Lifestyle

LVR
Up to 60%
Long term
3 - 24 months
Valuation from SCP panel valuer
Yes
Loan term
From 2%
Loan term
Location and size restrictions will apply

Land

LVR
Up to 60%
Long term
3 - 24 months
Valuation from SCP panel valuer
Yes
Loan term
From 2%
Loan term
Location and size restrictions will apply
*The above is a guide only and all loans will be assessed on a case-by-case basis
** Minimum loan amounts may apply

Speak to one of our team about how we can customise a lending solution for you and your clients

Hend Salam

Business Development Manager,
Auckland & Upper North Island
Business Development Manager, Auckland & Upper North Island
[email protected]
021 447 926

Nick Miller

Property Finance     Manager, Auckland & Upper North Island
Property Finance Manager,
Auckland & Upper North Island
[email protected]
021 757 649

Michael Trecsh

Business Development Manager,
Wellington
[email protected]
027 421 9263

Simon Maule

Business Development Manager,
Canterbury
[email protected]
021 447 595

Learn more about our suite of bespoke lending options

Construction and Development Lending

Learn more

Equity
Release

Learn more

Investment Property
Lending

Learn more

How can we help your clients?

Being 100% independent means we’re free to work in ways that best benefit your clients. We take time to get to know people and understand individual circumstances.

Our approach is to treat everything on its own merits, not by boxes to tick.

Get in touch

Lots of Kiwis need specialist lending for lots of reasons and I always tell advisers to just pick up the phone and chat to me. There’s nothing better than working with a financial adviser to find the right solution for their client.

Hend Salam


Business Development Manager,
Auckland & Upper North Island

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