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Flexible Lending

Non-Bank Lenders

Regulated financial institutions that offer mortgages but don't hold full retail banking licenses. Non-banks assess risk differently and are vital for self-employed individuals without 2 years of financials, borrowers with past credit issues, or property investors who have hit bank lending caps.

Our Partners

Finch's Non-Bank Lenders
Network.

A

Avanti Finance Property Loans

Provides near-prime residential mortgages, fast bridging finance, second mortgages, and flexible solutions for self-employed borrowers.

B

Basecorp Finance

A premier privately owned specialist lender known for ultra-fast approvals (within 24 hours) and short-to-medium term property-backed lending.

F

First Mortgage Trust

New Zealand's largest non-bank mortgage fund manager with over 28 years of trusted property lending across residential and commercial sectors.

G

General Finance

NZX-listed licensed Non-Bank Deposit Taker (NBDT) offering first and second residential mortgages with common-sense underwriting.

L

Liberty Financial

A versatile non-bank supporting everything from prime mortgages to specialist custom loans for self-employed or unconventional scenarios.

P

Pepper Money

Provides common-sense lending approaches, assessing applications on individual merit and offering market-leading Alt-Doc solutions.

S

Southern Cross Partners

NZ peer-to-peer and mortgage specialist offering short-term property-backed finance, bridging, and equity release loans.

FAQs

Questions About
Non-Bank Lenders

Match with the perfect lender today.

Speak to an advisor. We'll assess your situation and recommend exactly which lenders will approve your loan at the best terms.

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