01.06.2017
Structured solutions for property finance
Late last year we wrote about our property funding solutions. Over the first four months of 2017 we have seen high levels of funding opportunities in this sector. But there is no doubt the four main banks have reduced their appetite for funding property – particularly for any non-owner occupied investment and development properties. However, Finance New Zealand has a range of structured solutions involving both mainstream bank and specialist property finance companies (non-bank lenders), which have more flexible lending criteria than the banks.
One of our business partners recently assisted a couple of clients with property finance for a range of properties using a mix of bank and specialist financiers.
The first client required three different funding facilities – one was for bare land just reaching title status for which we secured 70% funding, another was a development project that required 35% funding, and the third was a turnkey build project that received 60% funding. The finance for these were provided by two different non-bank lenders.
The second client was wanting to buy bare land for future development, and needed to finance the full amount of the purchase but had been declined funding by its bank. However, we were able to get finance for 60% of the property value from a specialist property funder and then, using another of the client’s commercial properties as equity, were able to borrow the remaining 40% from a mainstream bank.
If you are finding it a challenge to secure property or development finance, talk to your business partner at Finance New Zealand to see how we can find a funding solution for you.
-
11 Oct 2016
Funding equipment in Australia
-
07 Oct 2016
Welcome to Terry Ellis
-
10 Sep 2018
What the Anti Money Laundering Legislation means for business lending
-
04 Jul 2016
Welcome to Sarah Southee
-
10 Nov 2019
Regional Round-Up: Canterbury
-
04 Sep 2016
When is working capital funding appropriate?
-
29 May 2019
What will it mean for business lending?
-
29 May 2019
Changes ahead for capital requirements
-
26 Apr 2016
Asset Finance | Term Loan vs. revolving
-
04 Sep 2016
Using working capital funding to grow your business
-
27 Jul 2019
Capital adequacy requirements update
-
21 Jan 2019
What should your plan include?
-
10 Jun 2021
Preparing your business for a rising interest rate environment
-
29 May 2019
Can risk grade be influenced?
-
10 Sep 2018
How asset-only entities work
-
04 May 2020
Covid-19 UPDATE: Restarting your business under Level 3
-
06 Sep 2018
Regional round-up – Nelson, Marlborough, and West Coast
-
20 Feb 2018
Succession Planning
-
09 Sep 2020
Relaunch of the Business Finance Guarantee Scheme
-
09 Sep 2015
Classic Machines – The Euclid/Terex S-24
-
29 May 2019
What are your options?
-
02 Oct 2017
How we can help when your bank says ‘no’
-
05 Feb 2020
Importing from Across the Ditch
-
08 Jul 2022
Minimising rising interest costs and making good finance choices…
-
06 Dec 2016
Challenges of rural lending
-
05 Feb 2020
UDC Sale Update
-
26 Apr 2016
Asset Finance | How the PPSR works
-
05 Feb 2020
Getting the best FX rate
-
20 Feb 2018
Regional roundup – Canterbury
-
17 Mar 2020
UPDATE: Covid-19 impact on global and local economy. We are here to support your business.
-
14 Sep 2019
Is it time to restructure?
-
27 Jun 2016
Helping you meet your business goals
-
09 May 2017
Changes in the equipment finance industry
-
09 Sep 2020
Subsidised dealer-based funding
-
01 Apr 2019
Deposits versus cash flow
-
09 May 2017
Benefits of diverse funding lines
-
15 Jan 2021
Trading in financial difficulty - Companies Act 1993
-
04 Oct 2017
The benefits of spreading funding across multiple lenders
-
10 Sep 2015
A Fresh Approach To Business Finance
-
29 May 2019
Is there reason to be concerned about your business's risk grading?
-
15 Jan 2021
Trading through financial difficulty
-
14 Sep 2019
Regional round-up - Gisborne and Bay of Plenty
-
17 Dec 2019
UDC sale likely for 2020
-
09 May 2017
Why refinance, and when is the right time to do it?
-
15 Jan 2021
We celebrate our five-year milestone and welcome five new Business Partners.
-
24 Jun 2018
Regional round-up – Wellington and Wairarapa
-
09 Apr 2020
Covid-19 Week 3 update: The Business Finance Guarantee Scheme and other tools
-
08 Aug 2017
Keeping on top of your tax
-
18 Apr 2018
What is needed for a valuation?
-
08 Aug 2017
Regional round-up – Bay of Plenty
-
26 Apr 2016
Asset Finance | The power of a flexible ‘revolver’ fleet facility
-
09 Nov 2017
Seasonal assistance
-
09 Aug 2017
IRD arrears – some examples
-
04 Aug 2020
Protect your business with the PPSR
-
04 Sep 2016
Types of working capital funding
-
10 Nov 2019
Men’s Health
-
10 Jun 2021
Finance New Zealand supports regional Wood Council awards
-
08 Nov 2017
Finance for motorboats and jet skis
-
26 May 2020
COVID-19 Update: Back in business under Alert Level 2
-
26 Mar 2020
We are committed to helping you through these challenging times.
-
06 Oct 2021
Growth of Non-Bank Lenders
-
28 Jun 2016
Should I lease or buy?
-
06 Oct 2021
Strong Dairy Prices Support the Rural Economy
-
10 Sep 2018
Documents needed to comply with AML Act
-
28 Jun 2016
When is leasing a viable option?
-
04 Aug 2020
Special Children’s Christmas Parties Sponsor
-
27 Jul 2019
Regional round up - Auckland
-
24 Aug 2021
COVID-19 UPDATE: Financial Support for Businesses
-
06 Dec 2016
Residential property finance
-
10 Nov 2016
Happy Birthday Finance New Zealand
-
09 May 2017
Are you getting the best foreign exchange rate?
-
15 Mar 2022
The Impact of the CCCFA on Business Lending
-
21 Jan 2019
How long do bank approvals last? And what happens if they lapse?
-
01 Apr 2020
Covid-19 update: The latest on how we can help your business
-
17 Dec 2019
Reserve Bank final capital review decisions
-
21 Jan 2019
Regional round-up – Hawke’s Bay
-
10 Nov 2019
A new toy for Christmas…
-
20 Jul 2020
Caution surrounds commercial bank lending
-
12 May 2020
COVID-19 Update: Level 2 - Moving towards the 'new normal'
-
05 Feb 2020
How Trade Finance Works – Opportunities and Risks in Looking Offshore
-
06 Oct 2021
Building Consents Hit Record Levels
-
24 May 2022
Avoiding underinsurance
-
10 Nov 2019
Christmas Cashflow
-
16 Oct 2018
Commercial property finance
-
15 Jan 2022
The Impact of the CCCFA on Business Lending
-
04 Mar 2020
Update: Coronavirus impact on exports & wider supply chain
-
17 Dec 2019
Cyber fraud on the rise
-
06 Oct 2021
Interest Rate Changes
-
18 Apr 2016
New Health and Safety Laws
-
27 Jun 2016
What type of lease is best for me?
-
02 Dec 2016
New Zealand export log prices rise
-
22 Apr 2021
The Financial Services Legislation Amendment Act
-
01 Apr 2019
Regional round up: Otago and Southland
-
24 May 2022
The rising cost of borrowing
-
02 Oct 2017
When one lender has said ‘no" - why would another say ‘yes?’
-
02 Oct 2017
Why should I deal with Finance New Zealand when I could go direct?
-
25 Jun 2018
Your assets as security
-
08 Nov 2016
Welcome to Steve Hopkins
-
09 Nov 2017
Funding a holiday home
-
17 Oct 2018
Regional round-up – Northland
-
24 Jun 2018
Servicing your borrowings
-
10 Sep 2018
Lending with an asset-only entity
-
15 Jan 2021
Update on the Business Finance Guarantee Scheme
-
04 Sep 2016
How does invoice finance work?
-
10 Dec 2018
Forestry related business lending
-
14 Sep 2019
Why restructure or refinance?
-
16 Oct 2018
Funding for property development
-
06 Dec 2016
Short-term property finance and development funding
-
01 Apr 2019
Managing cash flow
-
18 Apr 2018
What lenders want to see
-
21 Jan 2019
Planning the year ahead
-
30 May 2016
New to Finance New Zealand - Motor Vehicle Finance
-
06 Dec 2016
What’s in the financial news?
-
01 Jun 2017
We’ve got your business covered
-
09 Sep 2020
What’s happening over the ditch
-
08 Aug 2017
Management accounts – what are lenders looking for?
-
01 Apr 2019
Structuring your cash reserves
-
05 Feb 2020
Coronavirus impacts exports
-
16 May 2022
Scam Warning
-
27 Jun 2016
What are the downsides to leasing?
-
29 May 2019
Regional round-up – Taranaki, Whanganui, and Manawatu
-
01 Jun 2017
Leasing or buying healthcare and IT equipment
-
10 Nov 2019
Women in Industry
-
18 Apr 2016
Export log prices hold steady
-
15 Mar 2022
The impact of the rising cost of fuel
-
26 Apr 2016
Asset Finance | What is a GSA
-
14 Sep 2019
Subsidised dealer-based funding
-
27 Jul 2019
Why use a Financial Advisor?
-
18 Apr 2018
Regional round-up – Northland
-
08 Nov 2016
Welcome to Shane McDermott
-
03 Nov 2015
Auckland Project Nearing Completion
-
24 Jun 2018
How lenders view you as a customer
-
20 Feb 2018
Finance New Zealand Update
-
27 Jul 2019
Avoiding clever scams
-
28 Jul 2021
Valuation requirements when funding property or assets
-
18 Apr 2018
When is the right time to upgrade your equipment?
-
09 Aug 2017
Getting finance when you have tax arrears
-
08 Jul 2022
Positioning your business for a tougher economic environment
-
22 Apr 2021
Preparing Year End accounts for funder assessment