Construction without pre-sales
Structured construction finance for reputable developers where zero pre-sales may be considered.
View construction financeCommercial & development lending
Lending Criteria 2026
Indicative parameters for structured, non-consumer property finance across New Zealand.
How proposals are assessed
Speed, security and a clear exit.
Jardine Alpha Capital Limited is a New Zealand commercial creditor specialising in structured, non-consumer property finance and short-term bridging loans. Proposals remain subject to valuation, due diligence, credit approval and legal documentation.
| Loan size | 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 |
| Maximum LVR | Up to 85% for prime land; up to 60-65% TDC/GRV for construction |
| Pre-sales | Zero pre-sales may be considered for reputable developers |
| Target locations | New Zealand wide, focused on Auckland, Hamilton, Tauranga and Christchurch |
Preferred uses
Commercial property scenarios.
The following pages describe the stated commercial-property scenarios in the terms used by borrowers and advisers.
Development finance
Construction finance with up to 60-65% TDC/GRV considered.
View development financeBridging finance
Short-term funding for asset repositioning, equity release or debt refinancing.
View bridging financeSite acquisition
Funding for time-critical property or subdivision purchases, including auctions.
View site acquisition financeResidual stock
Submit a commercial-purpose residual stock scenario for assessment against the security, sponsor capability and proposed exit.
View residual stock financeIndicative only
Discuss a specific scenario.
Criteria are not an offer or commitment to provide finance. Fees, interest, leverage and timing depend on the transaction and will be documented separately.