What are Non Bank Lenders?

Non-bank lenders, like Finbase, provide similar loan services as the main banks, but are not subject to the strict lending restrictions set by the reserve bank. This allows us to offer you a more tailored solution and faster approval times. We understand that each borrower is unique and have designed our services around this principle, offering large sum advances of up to $2 million with no income verification. Non-bank lenders are a great option for those who need to borrow money, but don't fit the criteria for traditional banks.

Finbase: First Choice for Non Bank Lenders NZ

Welcome to Finbase, your reliable non-bank lender, offering a flexible alternative to traditional bank financing. Our bespoke loan services cater to professional property investors, developers, and property traders who need funding fast and without the strict criteria imposed by the big banks.

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What are Non Bank Lenders?

Non-bank lenders, like Finbase, provide similar loan services as the main banks, but are not subject to the strict lending restrictions set by the reserve bank. This allows us to offer you a more tailored solution and faster approval times. We understand that each borrower is unique and have designed our services around this principle, offering large sum advances of up to $2 million with no income verification. Non-bank lenders are a great option for those who need to borrow money, but don't fit the criteria for traditional banks.

Competitive Interest Rates from 11%p.a.

At Finbase, we offer a competitive interest rate starting from 11%p.a., making us a great alternative to a main bank. Our clients can take advantage of interest only loans to help with cash flow.

No Income Verification Required

Unlike most other lenders, we don't require bank statements to approve a loan. We assess loans based on LVR and the individual deal. We require first mortgage security over the property and a clear exit strategy.

Quick Loan Advances

Do you have an excellent deal under contract or need to fund a trade deal at short notice? Finbase can help you have a loan ready to settle your deal within 48 hours.

Second Tier Lender

Types of Loans Offered by Non-Bank Lenders

Finbase's non bank lending options provide different loan options tailored to every individual borrower. Our fast approvals are great for professional property investors, property traders and developers.

Bridging Finance

Bridge financing is a short-term loan to quickly get money when you don't have enough time to get finance from first-tier lenders. We can work fast to create a flexible loan plan with fair interest rates. This helps you to fund your new property without the need to pay the interest right away.

Property Trading Finance

Property traders buy and sell real estate with the aim of making a profit through improving and reselling the property. Banks generally won't fund short term loans, but you can fund property trading with a second tier lender. Finbase have short-term loan services to fund a purchase quickly and easily.

Equity Release

Equity Release is a type of loan that allows you to access additional funds from your property. This can be used for homeowners who need funds for business related activities, to refinance debt or fund property improvements.

Costs and Fees:

To be as transparent as possible we have outlined the various fees and costs associated with our Consumer Contracts below. It is important to note that these costs are a range of our minimum and maximum charges. We assess each deal individually and base costs on a variety of factors (excluding loan establishment fees which are based on the cost of the actual time spent), such as:

Security being offered, Employment history & stability, Level of the LVR (Loan to Value Ratio), The amount of time to process your application and Credit History

Finbase focuses on the individual deal, not just credit history. If the applicant can demonstrate a clear exit strategy and maintain a good loan-to-value ratio, Finbase will still consider the loan request.
Finbase's annual interest rate starts from 11%p.a., but the specific rate depends on various factors such as the amount you wish to borrow, your loan term, financial obligations, credit history, and the loan to value ratio of the security you provide. Establishment fees also apply.
Finbase prides itself on the speed of its service, with the potential to have a loan ready to settle your deal within 48 hours.
Yes we do. We understand that self-employed borrowers often have difficulty getting approved for a loan from the big banks. Our loan products are short term only, and no income statement is required to approve your application.

Second tier lenders, like Finbase, operates outside of traditional banking systems and can offer more flexible loan services. Second tier lending is not subject to the same strict lending restrictions set by the reserve bank, which allows us to provide more tailored solutions and faster approval times.
Professional property investors, developers, property traders, and self-employed individuals who need quick funding without stringent criteria imposed by big banks can greatly benefit from Finbase's services.
Finbase offers several types of loans including Bridging Finance, Property Trading Finance, and Equity Release. Each loan type is designed to suit different borrower needs, from short term property trading to accessing additional funds from your property.
We don't offer traditional long-term mortgages. Our lending products are designed for professional investors who have a clear exit strategy. This could include borrowing funds and either refinancing with a first-tier lender, or selling the property.

Frequently Asked Questions for Second Tier Lenders

Please remember that while these answers provide a general overview, it's always best to contact Finbase directly for information specific to your situation.

Second tier lenders, like Finbase, operates outside of traditional banking systems and can offer more flexible loan services. Second tier lending is not subject to the same strict lending restrictions set by the reserve bank, which allows us to provide more tailored solutions and faster approval times.
Professional property investors, developers, property traders, and self-employed individuals who need quick funding without stringent criteria imposed by big banks can greatly benefit from Finbase's services.
Finbase offers several types of loans including Bridging Finance, Property Trading Finance, and Equity Release. Each loan type is designed to suit different borrower needs, from short term property trading to accessing additional funds from your property.
We don't offer traditional long-term mortgages. Our lending products are designed for professional investors who have a clear exit strategy. This could include borrowing funds and either refinancing with a first-tier lender, or selling the property.
Yes we do. We understand that self-employed borrowers often have difficulty getting approved for a loan from the big banks. Our loan products are short term only, and no income statement is required to approve your application.
Finbase focuses on the individual deal, not just credit history. If the applicant can demonstrate a clear exit strategy and maintain a good loan-to-value ratio, Finbase will still consider the loan request.
Finbase's annual interest rate starts from 11%p.a., but the specific rate depends on various factors such as the amount you wish to borrow, your loan term, financial obligations, credit history, and the loan to value ratio of the security you provide. Establishment fees also apply.
Finbase prides itself on the speed of its service, with the potential to have a loan ready to settle your deal within 48 hours.

Repayment Fees

Fee Type

Amount

Loan discharge fee:

$250.00

Note: Mortgage Advisor Fees: Agreed between client and the respective advisor.

Monthly Fees

Fee Type

Amount

Monthly administration fee:

$30.00

Default Fees and Interest

Fee Type

Amount

Dishonour fee

$95.00

Default Interest rate:

10% above the contracted rate

3rd party costs while in default:

As charged

Monthly extension fee (After the loan reaches maturity date)

0.25% of the principal limit per month