Category: Blog

Bridging finance can be an effective tool for property investors and developers who need to move quickly or bridge a timing gap between transactions. Used well, it solves a defined short-term funding need. Used poorly, it can create repayment pressure, increase costs and reduce the borrower’s equity buffer. Most problems with bridging finance arise from […]

Bridging finance has several moving parts. Open and closed structures, capitalised interest, security, equity, exit strategy and loan term all affect whether a bridge is fundable and whether it solves the timing gap it is intended to address. At ASAP Finance, we have covered many of these topics in detail across our bridging finance blog […]

Residential property remains a common investment choice in New Zealand because it combines a tangible asset with the potential for rental income, capital growth and active value creation. Those benefits are not guaranteed. Returns depend on the purchase price, funding structure, operating costs, tenant demand, property condition, tax treatment and the point in the market […]

Funding is one of the most important parts of any property development project. A strong site, capable builder and well-priced end product will not get far unless the funding structure is clear, realistic and aligned with the development programme. For many developers, the question is not simply how to fund a development project. The better […]

If you have received a quote for development or construction finance, you may have seen a line fee listed alongside the interest rate. It is easy to overlook, but the charging basis and quoted period can materially affect the total cost of a facility. Understanding how a line fee works makes it easier to compare […]

When a lender or broker talks about how a loan is structured, they mean the terms and mechanics that determine how the facility works in practice. This includes the facility limit, purpose, security, drawdown conditions, interest and fees, repayment profile, leverage tests, covenants and exit. For property developers, structure can matter as much as the […]

Equity in property can support short-term business funding where a standard bank facility does not fit the timing or structure required. The security may be an investment property, owner-occupied commercial premises or residential property. The amount available depends on the property, existing debt, loan purpose and repayment strategy. Non-bank bridging finance can be useful where […]

True 100% development finance, where a lender funds an entire project with no equity contribution from the developer, is not realistic in the New Zealand market. Lenders generally require the developer to have a meaningful stake in committing capital. It reflects how development risk is shared, and how lenders protect against cost overruns, delays, and […]

Funding is one of the most important parts of any project. A strong site, capable builder, and well-priced product will go nowhere unless the necessary funding is put in place to complete the project. For many developers, the question is not only how to fund a property development, but which type of lender is best […]

Bridging finance can be a practical short-term funding solution when a borrower needs to manage a timing gap between two property transactions. For brokers, the key is knowing how to present the deal so a lender can quickly understand the transaction, assess the risk, and make an informed decision. So, how do you get bridging […]