Our Solutions

Funding your next milestone

Finbase lends to non-consumers against residential, commercial, and rural property, nationwide.

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Non-consumer property lending

At Finbase our streamlined, responsive decision-making process, allows your transactions to proceed with certainty.

Through established adviser relationships, direct borrower channels and repeat borrower activity across New Zealand. Finbase sees a wide range of property-secured lending opportunities and can assess transactions with clarity from enquiry to settlement. Facilities range from short-term lending of 3 to 24 months to longer-term mortgages of up to 30 years.

Lending Scope

Lending across the property lifecycle

Short-term lending

For borrowers requiring property-secured funding for a defined period, Finbase supports bridging, refinancing for time-sensitive property transactions.

Long-term mortgages

Finbase provides residential property-secured mortgage lending with terms available up to 30 years, where the asset, borrower position and loan structure support the facility.

Construction finance

For eligible construction projects, facilities are structured around the property, borrower contribution, project stage and completion pathway.

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Our Strengths

How Finbase approaches property-secured lending

Asset Discipline

Finbase assesses non-consumer lending based on asset quality and loan-to-value ratios, with all loans secured by first-ranking mortgages over residential, commercial and rural property.

Certainty of Execution

Finbase delivers clear decisions and reliable execution, giving borrowers and advisers the certainty to move forward with confidence.

Solutions-Oriented

Finbase structures lending solutions around the asset and borrower requirements, supporting refinancing, bridging, development and other property-secured financing needs.

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Case Studies

Funding solutions in action

Equity release secured by Auckland residential land

Finbase provided a circa $2 million equity release facility secured by a freehold residential landholding in Auckland, supporting a borrower with a time-sensitive refinance requirement.

Using commercial property equity to support business cashflow

Finbase provided a circa $500,000 short-term facility secured by commercial property in Wellington, helping a business owner consolidate debt and improve cashflow.

Construction funding for four-home South Auckland project

Finbase provided a circa $1.6 million first mortgage construction facility to support the completion of four residential dwellings on a freehold site in South Auckland. The project has since been completed and the facility repaid.

Short-Term Bridging

Bridging finance gave him the flexibility to act fast - without compromising long-term plans.
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Have a question?
Let’s talk

Speak with our team to determine if our products suit your needs.

Matt Thomas

Head of Origination

matt.thomas@finbase.nz

Song Song

Business Development Manager

song.song@finbase.nz

Yuan Fang

Senior Business Development Manager

yuan.fang@finbase.nz

Nicky Skinner

Business Development Manager

nicky.skinner@finbase.nz

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