Property Finance
Refinance
Replace your existing loan with a more suitable finance structure-improving cashflow, securing better terms, or accessing additional capital.
Investment Property
Tailored funding for commercial real estate, including offices, retail, industrial, and mixed-use properties.
Property Acquisition
Finance to support the purchase of commercial property, or development projects - whether you're looking to invest, develop, or occupy.
Project Finance
Structured funding for property developments, including subdivisions, design-builds, or conversions.
Equity Release
Unlock the equity in your existing property to fund new opportunities - allowing you to maintain ownership.
Lending Criteria
We offer property finance solutions designed to meet a range of commercial needs. Here’s an overview of our key lending criteria.
- Loans from $200,000 to $3,000,000
- Loan Term: 12-36 months
- Loan-to-value ratio (LVR): Up to 70%
- Security required:
- First mortgagge
- First-ranking General Security Agreement (GSA)
- Guarantees
- Assignment of relevant lease agreements and contracts
- Commercial lending only
- New Zealand based borrowers and properties
- Available nationwide
Pricing
Interest rates will depend on the funding requirements, application details, and the structure of the borrowing. Our rates will typically start from 9.0% per annum and are reviewed regularly in line with market conditions.
Partners Finance lending criteria and loan establishment fees apply. Rates and fees are subject to change.
Get in touch with us or your commercial broker to discuss your property finance needs and how Partners Finance can assist.