Bridging Finance

We can work quickly with you to tailor open-end bridging finance with competitive interest rates to help you fund a new purchase (along with capitalised interest negating debt servicing requirement) for sell down of existing asset.
We can offer bridging finance over:
  • Residential property (including high-value residential homes) & land
  • Commercial property (including office, industrial, and retail buildings) & land
We can tailor a loan to meet your needs, we understand these loans are intended to bridge a gap where increased debt makes servicing strenuous.

What we offer

We can tailor a solution to meet your needs, with capitalised interest loans and our experienced BDMs will work with you throughout the entire loan application process.

We can assume security over one or both properties, with lending available against both the property being sold and the property being purchased.

Being a specialist lender, we can be flexible and agile, and we understand a speedy turnaround is important, so we aim to have loans settled as soon as possible. If we’re not the right funder for the project we will let you know quickly to so can seek finance elsewhere.

Bridging Loan Applications

What we review and a checklist of documents that we may need to support your application:

  • Fully completed, signed & dated application (including signed Applicant’s & Guarantor’s Agreements)
  • Commentary regarding the purpose of the loan, term required, & intended exit strategy
  • Documentation to support identification & NZ Residency / Citizenship status
  • Verification of income (recent payslips / Employment Agreement / IR3 / signed financials or similar)
  • Registered Valuation (addressed to First Mortgage Custodians Limited)
  • Evidence to support the origin of your contribution to the proposed deal (source of deposit funds etc)
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable

Our team can talk you through the details once the application process starts.

Lending Criteria and Rates
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