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Bridging Loan β€” Case Study

Bridging Loan Secured For
Dream Lifestyle Block.

Last updated: July 2026

A couple bought their dream lifestyle property before selling their current home, using a bridging loan to secure the purchase without stress.

60
Days Bridged
1
Unconditional Offer
100%
Success

The problem.

The clients found their perfect next home in rural Waikato but hadn't sold their current Hamilton property.

In a highly competitive market, they needed to make a strong, unconditional offer immediately, or they would lose the lifestyle block to another buyer. They needed bridging finance, and they needed it fast.

How we solved it.

1
Open bridging loanQuickly arranged an 'open bridging loan' through a specialist NZ lender, not requiring an unconditional sale contract on their current home.
2
Capitalised interest paymentsCapitalised the interest payments into the loan so the clients didn't have to cover two mortgages out of pocket simultaneously.
3
Extended marketing windowProvided a 6-month bridging window, giving them ample time to market and sell their existing home for top dollar, rather than accepting a low-ball fire-sale offer.

The result.

They secured the lifestyle block immediately with an unconditional offer.

They sold their original Hamilton property within 60 days at a premium price, settling the bridging facility quickly with minimal interest overlap.

"Without a bridging mortgage, we would have missed out on our forever home. Finch gave us the buying power we needed instantly to make a winning offer."
β€” Emma & Chris, Waikato, Next Home Buyers

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Mukhtar Kiyani

Written by Mukhtar Kiyani

Director & Financial Adviser Β· FSP1011206 | FSPR FSP1011125

Mukhtar has 15+ years of financial advisory experience across NZ mortgage lending, investment structuring, and first home buyer guidance. He founded Finch Mortgages with a mission to make expert, transparent mortgage advice accessible to every Kiwi. Based in Auckland, advising clients nationwide. View Profile β†’

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