Speed
Target conditional approval within 48 hours after receiving a complete scenario. Suitable transactions may settle in as few as 5 to 7 business days.
Rapid, subject to due diligenceStructured non-consumer lending
Commercial Property Finance for New Zealand
Bridging and development finance for commercial borrowers and property developers, structured around the asset, the timing and a clear exit.
Non-consumer financeCommercial-purpose lending only
Nationwide coverageAuckland to Christchurch
Direct decisionsAccess to the lending team
Asset-based approachSecurity and exit-led assessment
Direct. Commercial. Structured.
A clear route from scenario to credit decision.
A clear process for time-sensitive acquisitions, bridging requirements and development projects secured against New Zealand property.
Flexibility
Zero pre-sales may be considered for reputable developers. Short-term structures are available from 3 to 24 months, with extensions reviewed case by case.
Asset and exit-led structuringCompliance
New Zealand-based commercial creditor operating in the wholesale, non-consumer market with transparent fee structures and formal legal documentation.
Commercial-purpose lending onlyLending solutions
Capital designed around the property and the exit.
We assess commercial purpose, security quality, borrower capability and a credible repayment path—then structure around the opportunity.
Core capability
Bridging & Equity Release
Short-term capital for acquisition, refinancing, settlement gaps and releasing equity from commercial real estate.
- Time-critical purchases and auctions
- Commercial asset equity release
- Debt refinance and lender exit
- Clear short or medium-term exit strategy
Construction Finance
Structured funding for townhouses, residential developments and light commercial projects.
- Up to 60–65% TDC/GRV considered
- Zero pre-sales considered for reputable sponsors
- Staged drawdowns aligned to progress
Land Acquisition
Fast funding for land banking, subdivision sites and strategic commercial property purchases.
- Up to 85% for prime land considered
- Auction and deadline transactions
- Auckland and nationwide locations
About Jardine Alpha
End-to-end commercial property finance.
Jardine Alpha Capital Limited provides short-term, non-consumer bridging and development finance to property developers, asset holders and commercial entities. Transactions are assessed against the commercial purpose, security property, sponsor capability and proposed exit. Approved loans are documented and secured by a first-ranking registered mortgage over New Zealand real estate.
| Loan amount | NZD $500,000 to NZD $10,000,000+ |
|---|---|
| Loan term | 3 to 24 months; extensions upon review |
| Security | First-ranking registered mortgage over New Zealand real estate |
| Target locations | New Zealand wide, with focus on Auckland, Hamilton, Tauranga and Christchurch |
| Typical use | Land acquisition, bridging, refinancing, equity release and construction |
Commercial & Development Lending Criteria 2026
Download the one-page reference for borrowers, brokers and advisers.
Representative structures
Commercial property finance in practice.
Anonymised examples describe financing structures and outcomes only. They are not current offers or promises of future timing.
Residential Development Funding
NZD $2.5MLand acquisition and early works for four townhouses.
Zero pre-sales considered; conditional approval within 48 hours and settlement within one week.
Commercial Asset Equity Release
NZD $5.0MFirst-ranking refinance over a central commercial building.
Bridge structure aligned the borrower with its next long-term funding stage.
Industrial Land Acquisition
NZD $1.8MTime-critical auction funding for industrial logistics land.
Asset-based assessment focused on land value, sponsor and a credible exit.
Additional Commercial Transactions
Selected casesFurther completed lending transactions across commercial property, bridging and development finance.
More case studies are available for discussion on a confidential basis, subject to borrower consent.
These are selected examples only. There are more completed cases than can be listed here. Additional completed transactions are not shown in order to protect borrower confidentiality.
For brokers & intermediaries
Bring the scenario directly to the lending team.
Introductions are recorded, mandates are respected and commission terms are agreed in advance for accepted transactions.
Work With Our Lending DeskSubmit a scenario
Start with the facts that matter.
Share the property, funding requirement, timing and proposed exit. Our Auckland lending desk will assess fit confidentially.
Auckland office
Auckland-based. New Zealand-wide.
Our Auckland-based team assesses commercial property opportunities across New Zealand, with a focus on clear communication, disciplined structuring and documented terms.
OfficeLevel 12, 19 Victoria Street West, Auckland Central