Pallas Capital Home Loan Review.

Pallas Capital NZ Limited — NZ Mortgage Review (2026)

Pallas Capital NZ Limited is a premier institutional non-bank real estate financier providing high-capacity commercial and residential funding. For New Zealand borrowers, the lender's specialties include commercial property finance, residential development, pre-development land loans, bridging debt. 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 Pallas Capital when its lending rules and pricing beat the alternatives for your situation. See all 23 lenders.

Who Pallas Capital Suits Best

Pallas Capital suits developers, high-net-worth investors, and commercial property owners seeking institutional-grade non-bank capital. It works best when your income, deposit and property type fit Pallas Capital'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.

Pallas Capital — Strengths

• Substantial lending capacity capable of underwriting multi-million dollar projects
• Flexible interest capitalisation and structured drawdowns matching build schedules
• Sophisticated credit team focused on property feasibility and net asset value
• Rapid commercial execution compared to traditional institutional lenders

Pallas Capital — Considerations

• High minimum loan sizes designed for commercial and development borrowers
• Institutional structuring and management fees
• Not suited for standard individual home purchases

How Pallas Capital 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 Pallas Capital when it suits your needs.

Documents Pallas Capital 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 Pallas Capital 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 Pallas Capital 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.