Successful Loan Cases
Today, I’d like to share several representative successful loan cases we recently completed, divided into two categories: finance company cases and bank cases. Let’s see if your needs are among them.
💼 Finance Company Cases
Case 1
The client needed to release equity from their property to fund the subdivision of another project. We successfully secured a NZD 950,000 loan with a 55% LVR, using three investment properties under the company’s name as security. The loan is fully serviced by rental income only. Term: 30 years, interest-only for the first 3 years, at an annual rate of just 6.44%, with no valuation report required.
Client Needs
Required to release property equity (equity release)
Funds to complete subdivision of another project
Loan to be serviced solely by rental income, without impacting personal cash flow
Challenges
Multiple properties used as collateral (three investment properties under the company’s name)
Loan structure must allow repayment solely from rental income
Client did not want to incur additional valuation costs (No RVR)
Case 2
Another client urgently needed to refinance from Kookmin Bank to one of our partner finance companies. The newly built property had not yet obtained its Title or CCC. We successfully secured a NZD 1.36 million loan with a 70% LVR, 6-month fixed term at 7.99% p.a., with no early repayment penalty after 3 months, and no RVR, CCC, or Title required.
Client Needs
Urgent refinance from Kookmin Bank to a finance company
Newly built property without Title and CCC
Short loan term with flexible early repayment options
Challenges
No Title or CCC – typically not acceptable by traditional banks
Urgent refinance requiring completion within a short timeframe
Loan structure to be short-term (6-month fixed) with no penalty after 3 months
No RVR required
🏦 Bank Cases
Case 1
A first-home-buyer couple with limited income and deposit, as well as multiple existing debts such as credit cards and a car loan. Through negotiations with the bank, we secured a 90% LVR loan of NZD 576,000, plus a NZD 5,000 cash back, while allowing them to keep their existing credit card and car loan, ensuring their lifestyle was unaffected.
Client Needs
First home purchase (First home buyer)
Maximise loan amount (Maximum LVR)
Keep existing credit card and car loan without impacting lifestyle
Challenges
Limited income and deposit
High existing debt (credit cards, Gem Visa, car loan, etc.)
Banks typically require debt repayment before loan approval
Achieving 90% LVR while retaining existing debts
Case 2
The client needed to complete a partial security release and loan restructure within a very short timeframe. At our first meeting, we identified the right bank, secured fast approval, and optimised the loan structure, enabling them to split loans across different banks, obtain a competitive interest rate of 4.65%, receive NZD 7,632 in cash back, and meet the urgent settlement deadline.
Client Needs
Partial security release
Loan restructure to secure better interest rates and cash back
Split loans across different banks to optimise loan portfolio
Challenges
Complete short-form refinance approval in limited time
Complex loan structure with three loans and two properties at the same bank
Tight settlement timeframe requiring rapid lender selection and full process completion
Secure the best interest rate and cash back simultaneously
Summary
These are our successful cases from last week. Whether you need equity release, urgent refinancing, first-home purchase, or loan restructuring, we can find the best solution for you in the shortest time. You only need to tell us your goal – we will handle the rest. The loan process can be complicated, but with us by your side, your path will be simple.