Short-term, mortgage-backed lending for acquisitions, bridging, equity release, and development — with speed and certainty banks can't match.
Discuss the practical funding options available, and find out whether Zurix is the right fit for you.
Connect directly with a decision-maker, who’ll quickly understand the asset, purpose, and timeline – confirming the right fit, before spending time on paperwork.
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.
Once terms are agreed, we swiftly move to documentation and settlement. The facility is actively managed to repayment, with clear communication throughout.
Decisions aren’t led by rigid policy or automated processes. They’re made by experienced lenders who understand real-world assets and commercial complexities.
Funding is structured around the asset, the timeline, and the exit– with straightforward and transparent terms agreed from the outset.
We communicate clearly and consistently throughout the process, so expectations, requirements, and next steps are always understood.
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.
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.
LVR targets depend on asset type:
All facilities are assessed conservatively to ensure appropriate downside protection.
Security typically includes:
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.
Our assessment framework considers:
Credit risk is acceptable. Integrity risk is not.
