For borrowers
Deal types we consider
The deal types below are indicative only. Every application is assessed deal by deal and criteria may change. Lending criteria apply.
Bridging finance
Short-term funding to bridge a gap: a purchase that must settle before a sale completes, a settlement deadline, releasing equity from a property, or other urgent business funding needs. A business typically uses bridging finance when timing, rather than long-term cost, is the deciding factor and there is a clear exit such as a sale or refinance.
Second mortgages
A loan secured behind an existing first mortgage over a property. Businesses use a second mortgage when the existing first ranking lender will not increase its facility, but there is usable equity in the property and the combined lending sits within indicative loan-to-value limits.
Business-purpose property lending
Lending secured against property where the funds are used for a genuine business purpose, such as working capital, expansion or equipment. It suits businesses that hold property but want funding structured around the business rather than a consumer-style mortgage.
Business finance, including invoice and cashflow funding
Funding to smooth a business's cash position, including against invoices or other cashflow timing gaps. Businesses use it when revenue is committed but payment timing creates a shortfall that would otherwise slow operations or growth.
Property-secured debt consolidation
Combining several business debts into a single facility secured against property. A business uses this to simplify repayments, restructure expensive short-term obligations, or reset a cash position ahead of a refinance or sale.
Property-secured IRD arrears
Funding to clear Inland Revenue arrears, secured against property. Businesses use this to resolve tax arrears promptly, stop penalties compounding, and restore a clean position while trading through or refinancing.
Construction and development finance
Funding for construction or development projects, typically drawn in stages as work progresses. Developers and builders use it to move a project forward where the funding need is tied to the build programme and the exit is a sale or refinance on completion.
Residual stock finance
Funding secured against completed, unsold units or stock remaining after a development or trading cycle. Businesses use it to release capital tied up in finished stock, without having to discount a sale simply to free up cash.
What to send us
The fastest way to get an indicative view is to send a short outline covering:
- The borrower entity
- The security address and property type
- Current and proposed lending
- The loan purpose
- The exit strategy: how the loan will be repaid
Have a question before applying? Contact us and we’ll get back to you.
Prefer to talk it through? Call 09 873 8645.
Last reviewed: 7 September 2026