A smarter and flexible lending partner - Delivering faster, more flexible access to funding solutions
First Mortgage Lending solutions, Built Around Real People
We provide short-term property loans secured by first registered mortgage for borrowers who need a practical alternative to the banks. Whether you're refinancing, bridging into a purchase, acquiring land, or funding a development project, we take the time to understand your situation and structure a loan around your needs.
As a family-run lender, relationships matter to us. We offer interest-only facilities from 6 to 24 months, with lending up to 70% LVR on improved property and 50% on vacant land. Most importantly, we apply experience and common sense — working alongside you and helping navigate challenges if they arise.
Our types of Loans
Commercial & Residential Finance
Subdivision Finance
Bridging Finance & Other
Why Borrow With Us
Tailored Lending Solutions
We provide first registered mortgage loans structured to suit your individual circumstances. Every application is assessed on its own merits, allowing us to deliver funding aligned with your specific property and objectives across New Zealand.
Loan-to-Value Parameters
We lend up to 50% of market value on vacant land and up to 70% on improved property (land and buildings), ensuring responsible and structured lending.
Direct & Efficient Approvals
As a private lender using our investors capital, we work directly with borrowers. This allows us to assess applications promptly and provide clear decisions without unnecessary layers of process.
Flexible Loan Terms
We offer short-term facilities typically ranging from 6 to 24 months, structured to align with your project timeline, refinance strategy, or exit plan.
Transparent Interest Structure
Our interest-only facilities are competitively priced and clearly structured, giving you certainty and clarity throughout the loan term.