Funding Partners Mortgage Review.

Funding Partners Limited — NZ Mortgage Review (2026)

Funding Partners Limited is private real estate and mortgage funding specialist backing New Zealand property borrowers. For New Zealand borrowers, the lender's specialties include residential property finance, development funding, equity release, short-term debt solutions. Finch is an independent NZ mortgage broker with a panel of 23 lenders: registered banks, specialist non-bank lenders and a credit union. We only recommend Funding Partners when its lending rules and pricing beat the alternatives for your situation. See all 23 lenders.

Who Funding Partners Suits Best

Funding Partners suits developers and investors looking for bespoke private debt solutions without traditional banking obstacles. It works best when your income, deposit and property type fit Funding Partners's current lending rules. If they don't, another lender on our panel may be cheaper or faster, so we compare options before recommending one.

Funding Partners — Strengths

• Highly customised funding structures tailored to individual project milestones
• Commercial pragmatism and willingness to fund complex deal architecture
• Direct decision-making from experienced principals without lengthy committees
• Supports non-standard asset types and progressive drawdown requirements

Funding Partners — Considerations

• Higher risk-adjusted pricing than institutional retail loans
• Not structured for standard low-deposit owner-occupier purchases
• Documentation and structuring fees reflect custom legal work

How Funding Partners Compares Across Our 23 Approved Lenders

No lender is best for everyone. Banks usually offer their lowest rates to borrowers with steady salary or wage income and a good deposit. Non-bank lenders such as Avanti Finance, Basecorp Finance and Pepper Money often help when your situation is less straightforward. Check current NZ mortgage rates, then book a free call and we'll compare your options across the whole panel.

The Rules NZ Lenders Work Within

In New Zealand, the Reserve Bank's loan-to-value (LVR) and debt-to-income (DTI) restrictions apply to registered banks. Non-bank lenders aren't bound by them, but every lender must follow the responsible lending rules in the Credit Contracts and Consumer Finance Act (CCCFA). Finch gives advice as an Authorised Body under the Financial Advice Provider licence held by Finsure New Zealand Limited (FSP1005389), and follows the Code of Professional Conduct for Financial Advice Services, overseen by the Financial Markets Authority. That means we only recommend Funding Partners when it suits your needs.

Documents Funding Partners Typically Requires

• 3 months payslips (PAYE) or latest financial statements / bank cashflows (self-employed)
• 3 months bank statements across active accounts and credit facilities
• KiwiSaver statement and confirmation of first-home eligibility (if applicable)
• NZ photo ID and proof of address for AML / CFT compliance
• Evidence of deposit funds, gifted equity, or existing property equity

Service Coverage Across New Zealand

Finch arranges Funding Partners lending for clients across New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Palmerston North, Napier, Nelson and Queenstown. We handle the whole application, from first assessment to settlement.

Should You Go Direct, or Use an Independent Broker?

If you go to Funding Partners directly, you only see its own products and lending rules. Through Finch, you get a comparison across our panel of 23 lenders. For residential home loans our advice is free, because the lender pays us a commission when your loan settles. Read our NZ client case studies to see how we structure approvals.