They don’t take customer deposits like traditional banks, but they offer home loans, refinances, and investment lending, often with more flexibility around income, credit history, or unique situations.

✅ Great for: Self-employed borrowers, new job starters, or those who don’t fit the “bank box.”
⚡ Bonus: Faster turnaround times for bridging loans or urgent settlements.

Here are some top non-bank lenders in NZ and what they’re offering:

1️⃣ Avanti Finance

Flexible & fast approvals.
💰 From 6.49% p.a. | Great for quick “yes” lending.

2️⃣ Pepper Money

Ideal for self-employed or minor credit issues.
💰 From 5.79% p.a. fixed | Alt-doc & near-prime options.

3️⃣ Liberty Financial

Creative lending for complex income.
💰 Around 5.90% p.a. floating | Up to 70% LVR.

4️⃣ FMT (First Mortgage Trust)

Residential & commercial specialists.
💰 From 7.99% p.a. | Great for investors & developers.

5️⃣ Basecorp Finance

NZ-owned, fast, flexible funding.
💰 6.45%–7.25% p.a. | Ideal for bridging or commercial.

6️⃣ Prospa

Online business loans, quick decisions.
💰 $5K–$500K | Approval in as little as 1 hour.

7️⃣ Bizcap

Fast funding for established SMEs.
💰 Up to $2M | Settled in as little as 3 hours.

💡 Is a Non-Bank Right for You?

If you’ve been declined, are self-employed, or need flexible lending, this could be your best move.

☕ Let’s Chat Over Coffee

Curious about your options? Let’s talk about how non-bank lenders can help you achieve your short-term financial goals or homeownership goals.

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