Bridging loans NZ – flexible bridge finance solutions
When you need funds fast to cover a short-term gap—whether it’s for property settlement, urgent repairs, or cashflow—Real Finance’s bridging loans NZ offer a reliable bridging finance solution to keep you moving forward.
Why choose our bridging finance solution?
Fast access to funds
Apply online for a bridge loan and get a decision in as little as 60 minutes.
Flexible loan term
Borrow from $1,000 to $50,000* over terms ranging up to 36 months, depending on your needs.
*Up to $50,000 through our external lending partners.
Tailored finance solution
Whether you’re a home buyer, property investor, or need short-term business loans support, we customise our bridging loans to fit your situation.
Expert mortgage brokers
Our in-house mortgage brokers will guide you through the process, helping you understand costs, terms, and security requirements.
Transparent loan
contract
Clear loan terms and fees—no surprises, so you can plan your next steps with confidence.
Common uses for bridge loans
Property Settlement:
Avoid delays when buying or selling—cover the gap until your main loan is funded.
Urgent Repairs:
Fund emergency home repairs or refurbishment with minimal downtime.
Business Cashflow:
Bridge invoice or seasonal gaps with short-term business loans alternatives.
Investment Opportunities:
Act quickly on time-sensitive property deals without waiting on long bank processes.
Personal Loan Top-Up:
Combine with a personal loan for additional flexibility if needed.
Fees & loan terms
Under the Credit Contracts and Consumer Finance Act 2003 (CCCFA), all bridging loan fees and terms are clearly disclosed
Establishment Fee:
From $150
Interest Rate:
9.95% – 39.95% p.a.
Loan Term Fees:
Administration fees from $25 per month
Security Requirements:
Typically secured by property or approved assets
Your loan contract will outline your exact loan term, repayment schedule, and total cost.
How much will it cost?
Wondering what your repayments might look like? Use our loan calculator to estimate your loan amount and see how flexible your repayments can be.
Available loan amount
From $2,000 to $50,000
Terms
2 – 36 months
Repayments
Starting from $70 per week
Security options
Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Online loans – easy as 1, 2, 3
1. Application
Fill in our 5-minute form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your application within 60 minutes to make sure your loan is fit for purpose and affordable for you.
3. Payout
Once your loan is approved, we document your application, explain the terms, sign you up and pay out your funds.
“Real Finance listened to what I wanted, understood my requirements, then delivered a solution that was fit for my purposes first and foremost.”
Frequently asked questions
What if I need to extend my bridge loan term?
Contact us before maturity—our bridging finance solution can often be extended by an additional term subject to approval.
Can I convert to a longer-term mortgage loan?
Yes—many clients seamlessly transition from a bridge loan to a mortgage loan once their primary financing is arranged.
Do you offer unsecured bridge loans?
Most bridge loans require security, but in some cases our mortgage brokers can structure an unsecured option for smaller amounts.
We’re here to help
Have more questions about our NZ loans, credit checks, or loan options? Visit our FAQ page for detailed answers, or contact our team for personalised support.
Ready for your bridging finance solution?
Apply now for a bridging loan NZ or speak with our expert mortgage brokers to discuss the best finance solution for your needs.
We’re here to help
Have more questions about second-mortgage solutions, equity top-ups, or property-project funding? Contact our team for personalised support.
