Success Stories (20/08/2025)
Real client success stories showing how tailored lending solutions helped overcome complex challenges and achieve their property goals.
Loan Case Studies
Case 1: Construction Loan for Developer
Our client, an experienced developer with over 3 years of proven success in similar projects, needed funding to build 8 new townhouses. The site already had Resource Consent, Building Consent, and EPA approval.
Client need: secure funding quickly to ensure smooth project progress, comparative lower costs
Challenge: strict lending criteria for construction loans, and banks required complete valuation and material reports even for small projects.
We arranged financing with Bank of China: $2,450,000 plus GST at 50% LVR, 12-month term, 8.25% interest rate, and 2% lender fee. This provided the client with timely funding and guaranteed the project could start as planned.
Case 2: Home Loan Top-up for Commercial Property Purchase
Another client wanted a $160,000 top-up from their existing home loan to purchase a commercial warehouse outside Auckland.
Challenge: the client had multiple loans and securities, including car loans, and some properties lacked electronic valuation. Company profits had also decreased compared to the previous year.
We highlighted their overall strong financial position and long-standing relationship with the bank. By carefully structuring the application and negotiating with the bank, we secured approval along with an RVR waiver, which simplified the entire process.
Case 3: Short-term Refinance
One client was stuck in a high fixed-rate loan with minimal cashback, which created high overall financing costs.
Client need: reduce costs and gain flexibility.
We first obtained the break cost from their existing bank, then calculated that cashback from refinancing would exceed the total refinance expense.
After negotiations, we secured $980,000 refinancing at a 12-month term, 4.77% interest rate, plus maximum cashback. This reduced their loan costs and improved their financial situation significantly.
Case 4: First Home Buyer Loan
A couple, with only one holding PR and the other on a work visa, had both just started new jobs for only 3 months.
Client need: maximize loan-to-value ratio to reduce upfront deposit.
Challenge: most banks require 6+ months of employment history, and visa status was not fully aligned with standard lending criteria.
We prepared strong supporting documents including employer letters, IRD income summaries, and immigration documents.
Finally, we secured 80% LVR with a loan of $976,000, plus $8,784 cashback. This allowed the couple to purchase their first home successfully.