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Property Finance FAQs

Explore our expert answers to common property finance questions here, or start your application now.

Frequently asked questions

What details do I need to provide?
We typically start with a brief overview of the property, including the location, asset type, estimated funding requirement, and the duration of the funding need. From there, we will confirm any additional information needed after discussing the specifics of your transaction with you.
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Our team is based in New Zealand and works with clients nationwide. Meetings can be arranged in person where appropriate, or remotely for convenience.
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Approvd has a maximum loan-to-value ratio of 75%. The final lending amount will depend on the property’s location and the specific attributes of both the asset and the sponsor.
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Approvd’s minimum loan size is $300,000, and we can lend up to $30 million on a single loan.
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Rates and fees vary depending on the project type, structure, and risk profile. We outline all costs clearly once we have reviewed the details of your enquiry.
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Yes. We are happy to meet in person; in fact, it is our preference, as it adds value to the discussion. Alternatively, we regularly work with clients via phone or video call.
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Timeframes depend on the transaction’s complexity and readiness. Once all the required information is received, we should be able to issue indicative terms within 48 hours. With direct access to our solicitor, we can facilitate settlements within 48 hours; most transactions settle within 1 week.
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The best loan term will depend on the type of loan you are applying for and your desired exit strategy, taking into account the asset, the stage of consents, the sell-down period, and your overall funding requirements. Our focus is on clarity and alignment from the outset.
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Approvd offers both interest-only, part-capitalised, and capitalised interest loan facilities. The best repayment type for your loan will depend on a variety of factors, including the asset, your cash flow position, and your exit strategy.
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Yes. While we have a strong preference to lend within main urban centres, we consider funding applications from across New Zealand, provided the underlying fundamentals are sound.
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No. Approvd does not provide development or construction funding. Our loan facilities are specifically targeted at the pre- and post-development phases of the property development lifecycle. This includes initial site acquisition and capital to secure consents prior to construction, as well as residual stock facilities that allow developers to progressively sell down completed projects.
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Approvd does not generally require a Registered Valuation to provide funding for standard residential lending. However, for speciality assets such as commercial or industrial property, a valuation may be required.
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No. Approvd does not provide consumer lending and does not accept applications that fall under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). Our facilities are for commercial and investment purposes only, typically secured against property held in a company or trust. Individuals borrowing in their personal name will be required to provide a CCCFA declaration confirming that the loan is strictly for commercial or investment purposes.
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The Anti-Money Laundering and Countering Financing of Terrorism Act 2009 came fully into force on 30 June 2013. The Act requires New Zealand financial institutions to detect and deter money laundering and terrorism financing, helping protect New Zealand’s financial system and international reputation. As a reporting entity, we are required to complete basic Know Your Customer (KYC) checks before establishing a lending relationship. This typically involves verifying identity, confirming proof of address, establishing ownership and control structures for companies and trusts, identifying beneficial owners, and obtaining source-of-funds information where required. The level of due diligence applied depends on the client’s and the transaction’s risk profiles. All information held by Approvd is treated as strictly confidential and managed in accordance with our legal and regulatory obligations.
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Approvd is a member of Financial Services Complaints Limited (FSCL), an independent, not-for-profit external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL provides an impartial and independent service for resolving complaints. If something has gone wrong, we want to know. Please email info@approvd.co.nz outlining what has happened and how you would like the matter resolved. If available, include any relevant documents or correspondence to assist us in reviewing your complaint. Once received, we will acknowledge your complaint within 1-2 working days, gather and assess the relevant information, and provide a response within 20 working days. If we are unable to reach a resolution, you may refer the complaint to Financial Services Complaints Limited (FSCL). Their service is free of charge and they will independently review and help resolve the matter.
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Speed

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Our process is designed to move efficiently, with clear information requirements and timely decisions.

Certainty

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We always work within clearly defined lending criteria and communicate our expectations early and with consistency.

Simplicity

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Documentation and terms are kept straightforward to minimise unnecessary complexity.

Flexibility

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We support project scenarios that do not always fit standard bank models, where structure and timing are key.

Access our expert resources

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Resources

How non-bank lending works in New Zealand

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Resources

How non-bank lending works in New Zealand

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Resources

How non-bank lending works in New Zealand

Need more clarity?

Our knowledgeable team are here to assist you now. Get in touch to discuss how we can help move your project forward.

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