BORROWING

Unlock flexible funding solutions

Leverage residential, commercial, or rural properties as collateral to access flexible funding - no income verification required.

Download Lending Overview
Townhouse Borrowing

About Finbase

Finbase is a non-bank lender offering flexible, tailored loans to commercial borrowers. We are 100% New Zealand owned and operated, with our Head Office located in Epsom, Auckland. We provide loan advances of up to $2.5 million, secured by a first-ranking mortgage, without the need for income verification. Our lending is available nationwide, accepting residential, commercial, and rural properties as security

Start at 9.95% p.a.

Interest rates

3–24 month

Loan terms

$50,000 to $2,500,000

Loan sizes
OUR PROMISES

A responsible approach

01

Prompt Loan Offers

We typically provide loan offers within 24 hours of receiving an application
(during weekdays)

02

Rapid Settlements

Our streamlined processes enable loan settlements in under 5 working days in most cases.

03

Simplified Requirements*

In many cases we do not require detailed financial information or registered valuations.

* Additional documentation may be requested as a case by case basis

04

No Income Verification*

Unlike traditional banks, we do not require proof of income, making the process faster and simpler.

* Additional documentation may be requested as a case by case basis
Borrow with Finbase

Loan Amounts and Security

We offer loans ranging from $50,000 to $2.5 million, secured by a first mortgage on qualifying properties. Finbase accepts residential, commercial, and rural properties as collateral, providing a broad range of options to borrowers.

Please note, however, that we do not accept leasehold properties as security.

Lending Criteria

Finbase offers a straightforward lending approach. Here are the key criteria:

60%
Residential lending
Lending up to 60% of the property’s value
(with a dwelling)
50%
Bare land, commercial, or rural
‍Lending up to 50% of the property’s value

Loan Terms and Rates

Finbase offers transparent and competitive loan terms tailored to your needs. See the overview below:

  • Loan terms: 3 to 24 months (extensions considered case-by-case)
  • Interest rates: From 9.95% p.a.
  • Lender fees: From 1.5% of loan amount (6-month term). 
  • Documentation fee: $2,500 per loan
  • Monthly administration fee: $30
  • Loan discharge fee: $250

Early Repayment Terms

We offer flexibility for early repayments:

  • Loans repaid within 12 months: 30 days’ interest + $250 admin fee
  • Loans repaid within 3 months: Minimum 3 months’ interest charged
See the full breakdown
Note: We do not offer personal loans
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Talk to our team

Jack Patel

Head of Origination
021 746 989
jack@finbase.nz

Pernell Callaghan

Director
021 143 4291
pernell@finbase.nz

Borrowing FAQs

What are second tier lenders?

Second tier lenders, like Finbase, operate outside of traditional banking systems and can offer more flexible loan services. Second tier lending is not subject to the same strict lending restrictions set by the Reserve Bank, which allows us to provide more tailored solutions and faster approval times.

Who can benefit from using a second tier lender like Finbase?

Professional property investors, developers, property traders, and self-employed individuals who need quick funding without stringent criteria imposed by big banks may benefit from using a second tier lender like Finbase.

What types of loans does Finbase offer?

Finbase offers several types of loans including Bridging Finance, Property Trading Finance, and Equity Release. Each loan type is designed for different borrower needs, from short term property trading to accessing additional funds from your property.

Can I get a standard home loan with Finbase?

Unfortunately not. Finbase does not offer standard consumer loans.

I have a bad credit history, can I still apply?

Finbase focuses on the individual deal, not just credit history. If the applicant can demonstrate a clear exit strategy and maintain a good loan-to-value ratio, Finbase will still consider the loan request.

What are the interest rates and lending fees at Finbase?

Finbase's annual interest rate currently starts from 9.95%p.a., but the specific rate depends on various factors such as the amount you wish to borrow, your loan term, financial obligations, credit history, and the loan to value ratio of the security you provide. Establishment fees also apply.

How quickly can I get a loan from Finbase?

Finbase prides itself on the speed of its service, with the potential to have a loan ready to settle your deal within 48 hours.

Do you lend money to self employed applicants?

Yes we do. We understand that self-employed borrowers often have difficulty getting approved for a loan from the big banks. Our loan products are short term only, and no income statement is required to approve your application.