Representative finance structures
A selected sample of anonymised New Zealand lending structures. Additional completed transactions are not shown, and client identities and confidential terms remain undisclosed.
Structure: Land acquisition and early construction funding for a four-townhouse development.
Security: First-ranking registered mortgage over the development site.
Structured without a pre-sales condition. Conditional approval was issued within 48 hours and settlement completed within one week.
Structure: First-ranking refinance over a central Auckland commercial building to release equity.
Purpose: Short-term liquidity while the borrower arranged long-term funding.
The bridge was structured around the timing of the borrower's next long-term facility.
Structure: Auction funding for a commercial borrower acquiring industrial logistics land.
Assessment: Security value, sponsor capability and a defined repayment path.
The assessment focused on the land value, borrower capability and documented exit strategy.
Further 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.
This page presents selected transactions rather than a complete record. There are more completed cases than can be listed here; further case studies may be discussed on a confidential basis where appropriate.
Important context
These examples illustrate past structures only. They are not an offer of finance, a guarantee of approval, or a promise that the same timing, leverage or terms will apply to another transaction. Indicative terms are subject to valuation, due diligence, credit approval and legal documentation.