Development finance is a specialist area of lending that requires an adviser who understands how lenders assess construction risk, project viability and exit strategies. TNC Financial Services works with specialist development lenders to source funding for residential developments, subdivisions and multi-unit projects across New Zealand — structuring loans to match your project timeline and cash flow requirements.
Then let’s talk about your project.
Instead of one lump sum, development finance is drawn down in stages as the build progresses, with the lender often inspecting at each stage. Interest is usually capitalised into the loan during construction, and the lender's focus is on project feasibility and your exit strategy — sale or refinance — rather than just your income.
Typically: the project feasibility numbers, resource and building consents, a fixed-price build contract, evidence of your experience or your team's, and a clear exit strategy. For larger projects, presales may be required. We help you present the proposal the way lenders want to see it.
Quite possibly. Main banks have a narrow appetite for development lending, but New Zealand has an active market of specialist non-bank lenders who assess projects on their merits — typically at higher rates that reflect the risk. We know which lenders suit which project types and connect you accordingly.
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