Property Finance
Clear capital when timing matters
Access mortgage-backed short-term lending, for the times when speed and certainty matter.
What this funding is for
We can provide fast and flexible funding solutions –when traditional processes can’t deliver
How it Works
Our practical approach focuses on the details that really matter, then delivers a solution at speed.
01
Start a conversation
Connect directly with a decision-maker, who’ll quickly understand the asset, purpose, and timeline – confirming the right fit, before spending time on paperwork.
02
Assess and structure
We review the security, borrower position, and exit strategy, then propose a clear facility structure, including all the details needed to move on to approval.
03
Fund and manage
Once terms are agreed, we swiftly move to documentation and settlement. The facility is actively managed to repayment, with clear communication throughout.
Clear & Practical
A process designed to make things happen
Experienced judgement
Decisions aren’t led by rigid policy or automated processes. They’re made by experienced lenders who understand real-world assets and commercial complexities.
Practical structures
Funding is structured around the asset, the timeline, and the exit– with straightforward and transparent terms agreed from the outset.
Clear communication
We communicate clearly and consistently throughout the process, so expectations, requirements, and next steps are always understood.
About us
The Zurix difference
Zurix offers short-term lending secured against real property assets. Drawing on more than 20 years of experience, we can provide fast access to capital – when timing is key and traditional processes fall short.
frequently asked questions
Who do you lend to?
We provide funding to New Zealand-registered business entities only. All loans must be for a clear business purpose. We do not provide consumer or owner-occupier home loans.
What types of property do you fund?
We fund residential investment, commercial, rural, and bare land assets, subject to location, marketability, and security position. Each transaction is assessed against conservative loan-to-value targets and a defined exit strategy.
What loan-to-value ratios (LVR) do you lend to?
LVR targets depend on asset type:
- Residential: up to 70% (land & building)
- Commercial: up to 60%
- Rural: up to 55%
- Bare land: lower thresholds apply
All facilities are assessed conservatively to ensure appropriate downside protection.
What security is needed?
Security typically includes:
- First or second registered mortgage or caveat
- Personal guarantees from directors and/or owners
- PPSR registration over borrower and guarantors
What loan terms do you offer?
Property finance facilities are generally structured for up to 12 months. All loans are for a fixed term with a defined repayment date. Extensions are considered case-by-case.
How do you assess a loan?
Our assessment framework considers:
- Loan-to-value ratio
- Strength and credibility of the exit strategy
- Guarantor strength and second exit options
- Borrower integrity and financial position
Credit risk is acceptable. Integrity risk is not.
”
What impressed me was the clarity in the property finance process. The structure was clear-cut, decisions were made promptly, and communication remained steady throughout. It felt well thought out, not hurried.