Equity Release

We can help you utilise the equity in existing property by borrowing against completed product to fund further investment or other opportunities. We’ve helped clients release equity to fund a business purchase or provide increased working capital to grow the business.

What we offer

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

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.

Getting Started

Before you start a lending application, we only need to know a few things to start a conversation about an equity release loan:

  • People Involved
  • Property Information – Location, Value Estimate
  • Lending required
  • Use of funds
  • Exit Plan

Please get in touch with one of our BDMs to discuss a potential loan. If you’ve got this information on hand, we can give you a quick indication of whether or not we are the right property finance partner for you.

If not, we know the market and will be able to point you in the right direction.

Contact our lending team

Equity Release 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
Lending Criteria and Rates
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              Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

              There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.