# Cressida Capital > Property Finance Solutions ## Pages - [Home ( Google Reviews Test )](https://cressida.co.nz/home-google-reviews-test/) - [News & Insights](https://cressida.co.nz/news-insights/) - [新西兰建筑融资机构 | Cressida Capital](https://cressida.co.nz/construction-funding-specialists-cn/) - [Avondale Build-to-Rent | 19 Unit Development](https://cressida.co.nz/success-stories/avondale-build-to-rent-19-unit-development/) - [Build-to-Rent Construction Loan](https://cressida.co.nz/success-stories/build-to-rent-construction-loan/) - [Cheers to 2025!](https://cressida.co.nz/cheers-to-2025/) - [Andrew Stevenson](https://cressida.co.nz/contact-us/andrew-stevenson/) - [Naomi Yueh](https://cressida.co.nz/contact-us/naomi-yueh/) - [Warren Law](https://cressida.co.nz/contact-us/warren-law/) - [Development & Construction Spring Special](https://cressida.co.nz/loans-finance/development-construction-special/) - [Privacy Policy](https://cressida.co.nz/privacy/) - [Important Information](https://cressida.co.nz/important-information/) - [Subscribe](https://cressida.co.nz/subscribe/) - [Construction Loan for Owner-Builder](https://cressida.co.nz/success-stories/construction-loan-for-owner-builder/) - [About Cressida Capital](https://cressida.co.nz/about-cressida-capital/) - [Equity Release for First-Time Developer](https://cressida.co.nz/success-stories/equity-release-for-first-time-developer/) - [Success Stories](https://cressida.co.nz/success-stories/) - [Construction Loan](https://cressida.co.nz/success-stories/tailored-construction-finance/) - [Why Us?](https://cressida.co.nz/why-cressida/) - [Mortgage Advisors](https://cressida.co.nz/property-people/mortgage-advisors/) - [Property Investors](https://cressida.co.nz/property-people/property-investors/) - [Property Developers](https://cressida.co.nz/property-people/property-developers/) - [Property People](https://cressida.co.nz/property-people/) - [Commercial Property](https://cressida.co.nz/loans-finance/commercial-property/) - [Loans & Finance](https://cressida.co.nz/loans-finance/) - [Residential Property](https://cressida.co.nz/loans-finance/residential-property/) - [Development & Construction](https://cressida.co.nz/loans-finance/development-construction/) - [Contact Us](https://cressida.co.nz/contact-us/) - [Home](https://cressida.co.nz/) # # Detailed Content ## Pages Property finance solutions. Talk to us todayLoans & FinanceFlexible, non-bank lending solutions for property developers and investorsDevelopment & ConstructionFrom site acquisition to sell down facilities, we can finance your residential development or commercial construction up to 70% LVR. We typically don’t need pre-sales, quantity surveyors, or valuations. Development & Construction > Residential PropertyCan't tick all the bank's boxes? No problem. We specialise in premium, fast-track funding for residential property. Immediate feedback, capitalised interest options, 48 hour settlements, and loan terms of up to 36 months. Residential Mortgages > Commercial PropertyWhether you’re refurbishing or re-tenanting, we provide flexible funding for commercial property. No WALT threshold or interest cover ratios, capitalised interest facilities available, and often no valuation needed. Commercial Property Finance > Bridging FinanceWe meet your timeframe, giving you confidence to secure your new opportunity. Loan terms from 3 months, no financials, and capitalised interest options available. Urgent settlement? It’s what we do best. Equity ReleaseNeed working capital to fund a settlement, finish a project, or support cash flow? We can help. We offer immediate engagement, capitalised interest options, flexible repayment terms, and a tailored finance package to suit your needs. Sell-Down FacilityOur market leading sell down facility allows developers to refinance construction funding, protect project margins, and create time to get the best market result. Explore property finance optionsProperty PeopleCressida works with the people who make property happen. Property DevelopersOur experienced lending team has extensive development funding experience across multi-residential builds, specialised commercial projects, and land subdivisions. Explore funding options... RECENT ARTICLES What’s Behind a Lender’s Property Assessment? | Relab x Cressida Capital WebinarDevelopment & Construction, Industry Insights, Video, WebinarAugust 5, 2026 Predevelopment Finance: Why the Most Important Decisions Happen Before You BuildDevelopment & Construction, Industry Insights, VideoJuly 29, 2026 $3. 2M Construction Loan | No Valuation | No QS RequiredDeal of the Week, Development & ConstructionJuly 29, 2026 $3. 3M Future Development Site | 90% Funding | No Valuation RequiredDeal of the Week, Development & ConstructionJuly 22, 2026 $3. 5M Luxury Bridge | 5-Day Settlement | Non-CCCFA Trust FacilityDeal of the Week, Residential PropertyJuly 20, 2026 Understanding Construction Contracts and Funding Structures in Property DevelopmentDevelopment & Construction, Industry InsightsJuly 1, 2026 Refinancing a Construction Facility Prior to Final InspectionDeal of the Week, Development & ConstructionJune 30, 2026 The Cressida DifferenceIndustry Insights, VideoJune 23, 2026 Overcoming Delayed CCC & Expiring DebtDeal of the Week, Development & ConstructionMay 26, 2026 Construction Loan for First Time DevelopersDeal of the Week, Development & ConstructionMay 20, 2026 12NextREQUEST A CALL-BACK To request a call-back, just leave your name and contact details. One of our property finance specialists will be in touch within one working day. Name *Phone *Email *Type of Loan *SelectDevelopment and ConstructionResidential Property (non CCCFA)Commercial Property Loan Value *Selectless than $1M$1M to $2M$2M to $5M$5M to $20M Message (optional)Send Thank you for your message. One of our property finance specialists will be in touch within one working day. ×There was an error trying to send your message. Please try again later. ×Lending... 开发与建设 二十余年来，深受华人房产开发商的信赖在Cressida，我们专注于为新西兰各地的开发商和房产投资者提供融资服务，尤其专注于奥克兰及各主要城市。我们经验丰富的贷款团队致力于迅速了解您的项目、分享专业见解，并提供灵活的建设融资方案，确保您的项目顺利推进。无论您是在购置土地、建设住宅，还是准备销售，我们都能为您量身定制融资方案。 我们的合作对象 我们与房产从业者、房产开发商及投资者合作，为其住宅和商业地产项目提供融资支持。Cressida很荣幸能与NZCBIA等机构建立合作关系，为其需要专业房产融资解决方案的会员提供支持。我们的建设融资方案覆盖项目的整个生命周期，从土地收购、建设施工到最终销售。 开发前期融资 Cressida通过提供灵活的开发前期融资方案，协助开发商在开发周期的早期阶段推进项目。这可包括土地收购、尽职调查费用、设计与审批、顾问费用、基础设施工程，以及在建设融资到位之前的其他前期项目费用。 建设融资 我们与开发商紧密合作，深入了解项目的可行性、时间安排及退出策略，从而为项目量身定制融资方案，协助项目从概念阶段高效推进至建设阶段，并顺利完成竣工后房源的销售。 通过充分了解每个项目——评估其可行性、建筑合同、产品类型以及计划中的退出策略，我们能够为项目量身定制融资方案。这包括根据预先约定的里程碑进行分期放款、灵活的贷款结构，以及具有市场竞争力的利率和费用，确保您的项目在财务上保持高效并按计划推进。 建设再融资 有时项目在建设过程中或竣工后需要进行再融资。无论是贷款期限即将到期、销售时间有所延长，还是需要额外营运资金，我们都能提供解决方案。我们的团队将与您共同合作，以维持项目动力和财务灵活性的方式重组融资安排。 每个开发项目都各有不同。欢迎与我们的团队探讨为您量身定制的融资方案。 普通话联系人 对于使用普通话的开发商，Warren和Naomi可直接与您探讨项目详情。扫描二维码即可在微信上与他们联系，或点击链接查看他们的个人简介。 Warren Law 高级贷款经理 +64 21 483 666 电子邮件 | 领英 Naomi Yueh 高级贷款经理 +64 21 912 006 电子邮件 | 领英 申请项目讨论 为方便起见，请填写我们简单的询盘表格。请提供您的姓名、公司名称、项目地点、贷款金额、电子邮件、电话号码以及项目简介。这将帮助我们的团队了解您的需求，并以最相关的融资解决方案作出回应。 姓名 *电话号码 *电子邮件地址 *留言（可选）发送 感谢您的留言。我们的房产融资专家将在一个工作日内与您联系。×发送您的留言时出现错误。请稍后再试。×Sorry, your browser doesn't support embedded videos. 常见问题为什么选择非银行贷款机构？在Cressida，我们致力于迅速对交易形成商业判断，并采取灵活、个性化的贷款方式——这是大型银行所无法实现的。我应该联系谁？审批需要多长时间？请直接致电、发短信或发送电子邮件给我们的任意一位贷款经理。他们均为经验丰富的房产专业人士，可立即提供直接反馈和初步贷款条款。你们向哪些人提供贷款？我们的客户范围广泛，包括房产投资者、房产开发商、企业主，以及需要快速灵活融资解决方案以推进项目的人士。你们提供哪些类型的贷款？我们的贷款业务涵盖住宅开发（如联排别墅和住宅建设项目）、商业开发项目、商业及住宅投资性房产收购、土地分割、地块融资、竣工存量房融资，以及两笔交割时间不完全吻合的过桥融资情形。你们需要哪些信息来评估我的贷款需求？一个良好的起点是对您的背景、融资目的及还款策略有基本了解。同时需要提供抵押房产的地址及相关详情，如涉及开发项目，请告知我们资源许可和建筑许可的进展情况。你们是否需要注册估价报告？通常我们不需要注册估价报告。我们经验丰富的团队能够迅速基于证据对房产价值区间形成判断，从而节省时间和费用。建设项目是否需要工料测量师和/或预售？通常我们不要求提供工料测量师报告，同时虽然预售对任何项目都是积极因素，但也并非硬性要求。如果我正在出售开发存量房，你们是否允许在销售过程中的交割时进行权益释放？是的，我们深知在项目尾声现金流至关重要。我们会根据客户要求定期进行权益释放/部分解除抵押。我是自雇人士且收入不稳定。你们能帮助我吗？是的，我们更关注项目本身或您的计划，而非您当前的收入状况。如果您认为方案可行，我们很可能也会有同样的看法。我是否需要偿还贷款利息？我们为客户提供两种选择：定期偿还贷款利息，或将利息资本化计入贷款账户，待贷款还清时一并支付。你们的贷款利率和融资费用是多少？我们的利率在市场上极具竞争力——如需获取最准确的最新利率，请直接致电我们的贷款经理。我可以借款多长时间？从3个月到36个月不等。你们是否是注册金融服务提供商，是否隶属于金融纠纷解决服务机构？是的，Cressida是注册金融服务提供商，并且是金融纠纷解决服务机构的成员。有关此服务的更多详情，请访问www. fdrs. org. nz。为什么选择与Cressida合作？Cressida拥有逾23年的业务经验，将深厚的房产贷款专业知识与内部法律能力融合运用于每一个项目。 我们与客户紧密合作，以强大的业绩记录为后盾，支持他们在房产领域取得成功。我们的行业经验确保我们能够深刻理解开发商和投资者所面临的挑战，并提供值得信赖的专业指导。 探讨您的项目即时响应，快速交割 为您量身定制的融资解决方案 经验丰富、专业卓越的团队 市场领先利率 逾20年业务经验 SUCCESS STORIES Avondale Build-to-Rent | 19 Unit DevelopmentCressida recently provided a development facility to support the construction of 19 terrace houses in Avondale, Auckland. The developer required a funding partner who could provide certainty from start to finish, with a structure tailored to the realities of construction cash flow. Rather than relying on a standard milestone based drawdown structure, Cressida implemented a cost to complete funding model tailored to the developer’s requirements and the project’s staging. This approach provided greater flexibility, with funds released in line with actual progress and contractor needs. The result was improved cash flow management and meaningful cost savings across the project. Get your project moving quickly and easily. Talk to our teamHighlights: GST inclusive funding Full construction cycle funding Adopted the developer’s project cost budget rather than a standardised market template Bespoke cost to complete drawdown model, rather than milestone based drawdowns Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email | LinkedIn Naomi Yueh Senior Lending Manager +64 21 912 006 | Email | LinkedIn Why Partner with Cressida? When it comes to property, experience counts. We’ve been in business for 22 years, providing tailored finance solutions when the banks won’t. With thousands of transactions and billions of dollars advanced, our reputation has been built on understanding our customers’ circumstances, projects, and unique... SUCCESS STORIES Build-to-Rent Construction LoanWhy Cressida? This client wasn’t looking for complexity, they were looking for certainty. They had a straightforward project and a clear long-term plan: add six new units to their investment portfolio, then refinance with their bank post-completion. But while the bank was happy to take over the debt on completion, it wasn’t willing to fund the construction phase. That’s where Cressida stepped in. We engaged early, met with both the borrower and their builder, and tailored a funding structure that gave the client confidence to proceed well before their own cash reserves were exhausted. Our involvement provided the financial assurance they needed to move forward. The Cressida Solution We funded the project on a GST-inclusive basis, recognising this was a long-term investor, not a developer. The progress drawdown structure was agreed collaboratively, ensuring transparency and alignment on how and when funds would be disbursed. With funding certainty locked in, the client could focus on building, not chasing paperwork. Get your project moving quickly and easily. Talk to our teamProject Snapshot: Type: Construction funding for 6-unit build-to-rent project Borrower: Long-term investor (not a developer) Outcome: Funding certainty ahead of cash depletion; bank to refinance on CCC issuance Structure: Customised drawdown schedule, GST-inclusive funding Security: Residential investment property Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email... ATTENDANCE CONFIRMATION Cheers to 2025! Thursday, 6 November 2025 4:00 PM - 7:00 PM The Terrace, Oyster & Chop 95 - 97 Customs St West, Viaduct Location & DirectionsCan you attend our celebration on November 6th? Yes, I would love to come along! Unfortunately I can't make it. Name *Business Email *SendThank you for your message. One of our property finance specialists will be in touch within one working day. ×There was an error trying to send your message. Please try again later. × LENDING MANAGER Andrew StevensonAndrew holds a Bachelor of Commerce from the University of Auckland and has over 20 years of experience in property, wholesale, construction, development, and retail finance. He has worked with various companies, building deep industry expertise. Having spent his formative years across the UK, Thailand, Hong Kong, Singapore, and Sri Lanka, Andrew has a global perspective that informs his approach to business. He even had a stint working at Disney World in Florida. Outside of work, he enjoys running, football, DIY projects, live music, cooking, and spending time with his two young children. +64 27 700 2708 | Email | LinkedIn Andrew Stevenson, Lending Manager +64 27 700 2708 | Email | LinkedIn REQUEST A CALL-BACK To request a call-back, just leave your name and contact details. Andrew will be in touch within one working day. Name *Phone *Email *Message (optional)SendThank you for your message. One of our property finance specialists will be in touch within one working day. ×There was an error trying to send your message. Please try again later. ×Frequently Asked QuestionsWhy use a non-bank lender? At Cressida we aim to quickly form a commercial view on a transaction and take a flexible and personalised approach to lending which is not possible with a major bank. Who should I talk to and how quickly can I get an approval? Give any of our Lending managers a call, text message, or email. They are highly experienced property professionals and can provide direct feedback and indicative... SENIOR LENDING MANAGER Naomi YuehNaomi was born in Taiwan and first came to New Zealand in 1999. Having lived and been educated in both places, Naomi speaks and writes fluent Chinese and English. Naomi graduated from the University of Auckland with a Bachelor of Commerce majoring in Accounting and Finance, and commenced her professional career in banking at ANZ Bank. Her passion for property started in 2016 when she became a member of the Commercial and Property Finance team at China Construction Bank (‘CCB’) during its early phase in New Zealand. Prior to joining Cressida in 2024, Naomi was the Director of Property Finance and Commercial Banking at CCB. “Property is about people coming together to create something tangible and that’s what I love about it. ” Having worked in various roles and business units within the banking industry, Naomi has a good all-round understanding of the banking and finance industry. Naomi’s background and language skills help her to assist a wide range of clients, understanding their needs and their way of doing business. In her spare time, Naomi loves art, reading, food, travel, and doing these together with her husband and two young children. Naomi has a keen understanding of property market dynamics and a passion for engaging with clients to build long-term, productive relationships. To find out more, contact Naomi today. +64 21 912 006 | Email | LinkedIn Naomi Yueh, Senior Lending Manager +64 21 912 006 | Email | LinkedIn REQUEST A CALL-BACK To request a... SENIOR LENDING MANAGER Warren LawWhen you need a fast answer, and the right outcome. Warren is proudly New Zealand-Chinese, and speaks fluent Mandarin. “I can speak the professional language of lenders, but I can also speak the language of Chinese customers. I want to make sure that people are completely at ease when dealing with me and if that means speaking in their first language, I am absolutely happy to do that. ” Warren’s language and cultural fluency has allowed him to become something of a specialist in lending to Chinese customers. “For some customers, business needs to be more personal. Old-school manners and respect go a long way to building trust. ” Highly experienced in non-bank lending, and skilled at structuring bespoke finance, Warren gets a genuine kick out of helping people, and finding a positive outcome for all parties. “Yes, this business is about numbers - but it’s also about people. Getting it right for people, making things happen, making a difference, is really important to me. ” Prior to joining Cressida in 2018, Warren held several managerial positions with ANZ, specialising in property finance and commercial banking. Most recently he was a property finance consultant, arranging tailored finance solutions for developers and property professionals. During his 20 years in the finance industry he has also worked in retail equities and derivatives. Warren can help release equity, reposition debt, or fund new construction or developments now. To find out more, contact Warren today. +64 21 483 666 |... DEVELOPMENT & CONSTRUCTION Special Construction finance rates from 5. 95% pa! At Cressida Capital, we like to keep things moving, especially construction. This spring, we are offering developers and builders access to a special construction interest rate from 5. 95% p. a. With facilities from $2,000,000 to $10,000,000 and no pre-sale, QS, or registered valuation requirements, we make it simpler to get your project out of the ground. Our approach is built on speed, trust and flexibility. We know the industry and the challenges you face, so we structure finance to suit you, not slow you down. This offer is available for a limited time only. Talk to us today about how we can help keep your project moving. RECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts Key lending terms: Interest Rates from: 5. 95% Loan Facilities: $2m to $10m Finance fee: 2% Line fee: 0. 25%* / month *Pricing options without Line Fee available on request. No pre-sale requirement No quantity surveyor reports No registered valuation required This exclusive offer is available for a limited time only. Talk to our teamLending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email | LinkedIn Naomi Yueh Senior Lending Manager +64 21 912 006... Privacy PolicyINTRODUCTION Cressida Capital One limited (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose and protect your personal information. This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see www. privacy. org. nz. CHANGES TO THIS POLICY We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy. This policy was last updated on 16 July 2024. WHO DO WE COLLECT YOUR PERSONAL INFORMATION FROM We collect personal information about you from: you, when you provide that personal information to us, including via the website and any related service, through any registration or subscription process, through any contact with us (e. g. telephone call or email), or when you do business with us. third parties where you have authorised this or the information is publicly available. If possible, we will collect personal information from you directly. HOW WE USE YOUR PERSONAL INFORMATION We will use your personal information: to verify your identity To satisfy statutory obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 to provide services and products to you to market our services and products to you, including contacting you electronically (e. g. by... Important InformationANTI-MONEY LAUNDERING AND COUNTER-FINANCING OF TERRORISM ACT 2009 The Anti-Money Laundering and Counter Financing of Terrorism Act is designed to help detect and deter money laundering and terrorism financing. Under this law all financial institutions in New Zealand are required to do more to verify a customer’s identity and, in some cases, account activity. Businesses, trusts, or other organisations will need to provide information on the organisation and anyone who acts on its behalf. The AML law requires all financial service providers to: Identify their customers before providing financial services Identify the source of client funds that form part of the lending transaction Identify the client’s source of wealth Monitor customer transactions on an ongoing basis Report certain transactions and suspicious activities and/or behaviours FINANCIAL SERVICE PROVIDER Cressida Capital is registered as a provider of credit under a credit contract service and subscribes to the Financial Dispute Resolution Scheme. Further information on this scheme can be found at www. fdr. org. nz or at their physical address at Level 9, 109 Featherston Street, Wellington 6011. CREDIT CONTRACTS AND CONSUMER FINANCE ACT Under the Credit Contracts and Consumer Finance Act (CCCFA) a “consumer loan” is one where the consumer uses or intends to use the credit, wholly or predominantly for personal, domestic or household purposes. For real estate transactions a second relevant test is whether or not the security property is held in the name of an individual and is their primary place of residence. Cressida does not accept loan... SUBSCRIBE Keep up to data with pricing, terms and property market developments. Our weekly emails highlight a recent transaction, with details on loan size, pricing, nature of security, term, LVR, and the solution Cressida provided. If you’re not already receiving these just complete the form to be automatically subscribed. SIGN UP FOR WEEKLY EMAIL UPDATES - Select Profession -Mortgage AdvisorProperty DeveloperReal Estate AgentSolicitorAccountantArchitectQuantity SurveyorProject ManagerRather Not Say SubscribeThank you for subscribing. ×There was an error trying to complete your signup. Please try again later. × SUCCESS STORIES Supporting an Owner-Builder with Flexible Construction FinanceThe Challenge Our client, an experienced owner-builder, was in the middle of a four-lot housing development. They had self-funded the land purchase and civil works up to the foundation stage, but slow sales in the current market meant additional cash flow was required to keep the project moving. Traditional lenders were hesitant, particularly because the client was managing the build themselves rather than using a fixed-price contractor. The Cressida Solution Cressida Capital issued a loan offer within 24 hours and settled the loan within two weeks of acceptance. We provided an equity release secured against their residential development site in Auckland, with future progressive drawdowns structured around a mutually agreed payment schedule. Importantly, we did not require a registered valuation or quantity surveyor’s report, reflecting both our confidence in the client’s capability and track record and understanding of remaining project risks. By tailoring the facility to the client’s needs, we ensured they could maintain momentum on their project and keep their suppliers and subcontractors happy under challenging market conditions. Our flexible approach enabled the client to focus on delivery while we provided the funding support to bridge cash flow pressures until sales were realised. Get your project moving quickly and easily. Talk to our teamLoan Snapshot: Loan Term: 12 months LVR: 61% Security: A residential property in Auckland Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21... ABOUT CRESSIDA CAPITAL We’re not a bank. That’s good news. Established in 2003, Cressida Capital is a privately owned property finance business represented by a team of property professionals dedicated to meeting your specialist funding requirements. Our goal is to assist property developers and investors to realise their visions in ways that mainstream banks are unable to consider. We do this by delivering flexible funding solutions at market leading rates to meet your timeframes. You can trust us to be there when the bank says “no” and help unlock the opportunity in your property assets. OUR WORK IN THE COMMUNITY: The Staples Education Foundation > Special Children’s Christmas Party > Lending ManagersWarren LawSenior Lending Manager Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Warren has considerable experience in the New Zealand property finance market. Prior to joining Cressida, Warren worked at ANZ in various Relationship Management roles including Property Construction Finance. Warren holds a Bachelor of Commerce and Administration from Victoria University and is proficient in mandarin (his second language). Outside of work, Warren is a competitive tennis player, enjoys biking and spending weekends with his young family. Naomi YuehSenior Lending Manager Naomi Yueh Senior Lending Manager +64 21 912 006 | Email | LinkedIn Naomi was born in Taiwan and first came to New Zealand in 1999. A graduate of University of Auckland with a B. Com majoring in Accounting & Finance, Naomi is fluent in both Chinese and English. Prior to joining Cressida,... SUCCESS STORIES Equity Release for First-Time DeveloperHere’s how Cressida supported a first-time developer with a flexible funding structure designed to simplify their project. The Challenge Our client was embarking on their very first development project - two new townhouses in central Auckland. As a first-time developer, navigating the funding process felt complex and daunting. The Cressida Solution Cressida structured the loan as a series of progressive equity releases as opposed to a traditional construction loan, aligned to each stage of the build. This approach gave the client certainty of funding while keeping the process straightforward, most cost effective, and manageable. By tailoring the facility to their experience level, we provided not only the finance required but also the confidence to complete their first development successfully. Get your project moving quickly and easily. Talk to our teamLoan Snapshot: Purpose: Two-townhouse development Location: Central Auckland Loan Term: 12 months Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email | LinkedIn Naomi Yueh Senior Lending Manager +64 21 912 006 | Email | LinkedIn Why Partner with Cressida? When it comes to property, experience counts. We’ve been in business for 22 years, providing tailored finance solutions when the banks won’t. With thousands of transactions and billions of dollars advanced, our reputation has been built on understanding our customers’ circumstances, projects, and unique... SUCCESS STORIES Tailored Construction FinanceThe Challenge Our client, an experienced developer, embarked on a three-unit residential project. Confident in her ability to self-manage the build efficiently, she planned to deliver the project within a budget that was below typical market estimates. However, most lenders insisted on basing their loan terms on standard cost assumptions, pushing for a higher loan-to-value ratio (LVR) and inflating her finance costs. The Cressida Solution Cressida recognised the client’s expertise and took the time to understand her actual build budget and payment schedule. We structured a bespoke construction facility aligned to her real costs, rather than industry averages. This tailored approach meant she borrowed only what she needed, reducing total finance costs and keeping her project on track. In a market where margins are tight, these savings made all the difference. Get your project moving quickly and easily. Talk to our teamLoan Snapshot: Purpose: Construction of three five-bedroom houses in Auckland LVR: 58% Loan Term: 12 months Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email | LinkedIn Naomi Yueh Senior Lending Manager +64 21 912 006 | Email | LinkedIn Why Partner with Cressida? When it comes to property, experience counts. We’ve been in business for 22 years, providing tailored finance solutions when the banks won’t. With thousands of transactions and billions of dollars... WHY CRESSIDA CAPITAL? Your property finance partnerAt Cressida, we cut through the noise to deliver straightforward, cost-effective lending solutions. No unnecessary valuations, no pre-sale hurdles, and no one-size-fits-all approach. Just smart, timely funding tailored to your project. We’re here to help you succeed Talk to our teamWHAT SETS US APART? We answer calls and respond to enquiries quickly. We tailor every solution to your specific needs. We build relationships, not transactions. We offer market leading rates. We support you through the full project lifecycle — from acquisition to construction and sell-down. We also bring deep development expertise to the table. We’ll review your consents, plans and costings — offering a real-world sense check before you commit. Above all, we are committed to outstanding customer service and helping our clients to realise their property goals. The Cressida DifferenceWe're not a bank. That's good news. SpeedQuick response and settlement Immediate feedback - workshop a deal quickly with a Lending Manager via phone or e-mail Same day credit approved finance offers In-house legal team facilitates rapid turnaround of documentation and settlements FlexibilityTailored, client based solutions Client focussed lending approach Broad credit policy so we that we can try to make deals work A member of our experienced team looks at every deal StraightforwardNon-CCCFA and the option to capitalise interest means not having to demonstrate servicing in any great depth For construction loans, a quantity surveyor and pre-sales and a registered valuation are typically not required StabilityOver 20 years in the industry New Zealand-owned... MORTGAGE ADVISORS Expert advice keeps the property market moving. We’ve worked with mortgage advisors for over 20 years, and are here to support you with fast, flexible finance solutions. Naomi, Warren and Andrew are experienced property professionals, well known and trusted by advisors across the country. If you have a client loan enquiry, we’d love to discuss how we can add value and provide you with clear, indicative terms. Maximise your time Talk to our teamRECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts HOW WE MAXIMISE YOUR TIME: Your time is money. That’s why we provide: Immediate feedback on lending appetite and indicative terms Tailored solutions with minimal conditions Market-leading rates A credit-approved letter of offer once terms are agreed In-house legal support for fast documentation With Cressida, loan turnaround can be as quick as 48 hours, from enquiry to settlement. How to Apply1. Initial contactCall one of our expert Lending Managers to discuss your funding needs. Warren, Naomi or Andrew will give you immediate feedback, including indicative loan pricing and terms. 2. Funding applicationSubmit your application for funding. We aim to provide a same day assessment for all complete funding applications. We often issue a credit approved loan offer the same day, too. 3. Letter of offerAll of our letters of offer are credit approved and include specific loan terms such as: Loan amount and term Interest rate and any finance... PROPERTY INVESTORS Backing smart property investment. If your property investment makes sense, we’ll back you. Property investment is specialised and mainstream banks don’t always see the full picture. At Cressida, property is all we do. With thousands of transactions and billions advanced, we’ve built our reputation on understanding our clients, their projects, and their goals. If you’re facing an investment opportunity and not getting the answers you need, talk to us today. Realise your investment goals Talk to our teamRECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts HOW WE HELP YOU REALISE YOUR INVESTING GOALS: Speed when it matters. Opportunity doesn’t wait. We offer same-day approvals and 48-hour settlements so you can move quickly. Flexible solutions. From bridging finance to longer-term funding (3 months to 3 years), we structure loans to fit your needs. Understanding value. If your project has potential others don’t recognise, we’ll see it. How to Apply1. Initial contactCall one of our expert Lending Managers to discuss your funding needs. Warren, Naomi or Andrew will give you immediate feedback, including indicative loan pricing and terms. 2. Funding applicationSubmit your application for funding. We aim to provide a same day assessment for all complete funding applications. We often issue a credit approved loan offer the same day, too. 3. Letter of offerAll of our letters of offer are credit approved and include specific loan terms such as: Loan amount and... PROPERTY DEVELOPERS Developers drive our business. At Cressida Capital, we believe in backing the people who make things happen. Property developers are vital contributors to New Zealand’s prosperity, and for more than 20 years we’ve been proud to help fund hundreds of projects—often when the major banks have said no. If you need funding for your construction or development project, our team is here to help. Get your project moving quickly and easily. Talk to our teamRECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts HOW WE HELP YOUR PROJECT SUCCEED: Specialist experience. Our lending team has deep knowledge across multi-unit residential builds, commercial developments, and land subdivisions. No unnecessary hurdles. We generally don’t require pre-sales or a quantity surveyor. Competitive rates. Our construction finance rates lead the market. Straightforward drawdowns. Progress payments are agreed upfront, making the process clear and predictable. How to Apply1. Initial contactCall one of our expert Lending Managers to discuss your funding needs. Warren, Naomi or Andrew will give you immediate feedback, including indicative loan pricing and terms. 2. Funding applicationSubmit your application for funding. We aim to provide a same day assessment for all complete funding applications. We often issue a credit approved loan offer the same day, too. 3. Letter of offerAll of our letters of offer are credit approved and include specific loan terms such as: Loan amount and term Interest rate and any finance... PROPERTY PEOPLE Cressida works with the people who make property happen. At Cressida, we work with a wide range of property people right across New Zealand. From experienced developers, to investors in need of urgent bridging finance, whether you’re building your portfolio, securing an opportunity with a tight deadline, or urgently need some working capital – we’re here to help make it happen so you can meet your goals. To talk to someone who understands your funding requirements, call one of our experienced lending managers today. RECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts Property DevelopersWhether you need money to start or finish, our experienced lending team has extensive development funding experience across multi-residential builds, specialised commercial projects, and land subdivisions. Talk to us today. Explore funding options > Mortgage AdvisorsYour time is money. That’s why our goal is to deliver immediate feedback on every loan application, including indicative lending terms and finance rates so you can keep things moving as well. If we can’t help, then we’ll point you in the right direction. Maximise your time and expertise > Property InvestorsSometimes, opportunities arrive unexpectedly. With same day loan approvals and 48 hour settlements, we can help you move quickly to secure them. Realise your investing goals > We lend on your potentialConstructionCressida offers residential and commercial construction funding options, including single and multi-unit residential projects, commercial builds, and major refurbishments or... COMMERCIAL PROPERTY Tailored funding for commercial and industrial property across New Zealand. At Cressida Capital, we provide bespoke lending solutions for commercial and industrial properties whether vacant, leased, or owner-occupied. We help property owners grow their portfolio, add value, unlock equity, and move forward with confidence. As a private, non-bank lender, our independence allows us to structure lending to suit your specific needs. With no rigid requirements around WALT or lease profiles, and typically no registered valuation requirement, we can deliver the funding to secure your opportunity. What We Look At We take a practical approach to every transaction, reviewing only what’s relevant: Sale and purchase agreements Commercial leases Building plans and consents Your exit strategy Valuations are often not required. RECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts Key lending terms: Facilities up to: $20. 0m Term up to: 36 Months LVR up to: 75% Interest: Capitalised, part-capitalised, or monthly Valuation: Often not required Requirements: No strict WALT, NBS, or lease thresholds Move quickly on your next commercial deal. Talk to our teamHow to Apply1. Initial contactCall one of our expert Lending Managers to discuss your funding needs. Warren, Naomi or Andrew will give you immediate feedback, including indicative loan pricing and terms. 2. Funding applicationSubmit your application for funding. We aim to provide a same day assessment for all complete funding applications. We often issue a credit approved loan offer... LOANS & FINANCE Specialist lending solutions for developers and investorsAt Cressida Capital, we specialise in flexible, non-bank lending solutions for property owners, developers, and investors across residential, commercial, and construction sectors. Our strength lies in tailoring our lending to meet the unique aspects of each project and moving quickly when it matters most. You’ll get fast feedback directly from someone who understands your needs, a tailored finance solution that’s built around your opportunity. and the confidence of dealing with people who deliver. OUR PROMISE TO YOU: 1: Genuine Understanding We know property transactions can be complex because we work on them every day. We understand property, and we’ll work to understand what you need. 2: Tailored Lending From construction facilities to working capital release, we’ll build a loan that’s the best fit for you and your project. 3: Fast Turnaround Same day offer and rapid settlements with support from our in-house legal team. 4: Seamless Process Our experienced team will work closely with your adviser, solicitor, and accountant to help deliver your opportunity quickly and easily. It’s what we do. Cressida does not fund transactions which constitute consumer lending under the CCCFA. Construction & Property DevelopmentFast, flexible construction finance to get your project moving. No pre-sales, quantity surveyor or valuation typically required. Learn more > Residential First MortgagesFirst mortgage residential lending, tailored to meet a wide range of client needs - especially where traditional lenders fall short. Learn more > Commercial Property FinanceWhether it’s an extension, refurbishment, re-tenanting, or completing... RESIDENTIAL PROPERTY Flexible residential first mortgages. We specialise in residential loans that don’t tick all the boxes with the major banks. As a private, non-bank lender, we offer flexibility that the major banks can’t. That means looking beyond tick-box lending and providing funding that fits. We normally offer first mortgage residential lending on shorter terms of between 3 and 36 months, tailored to meet a wide range of client needs - especially where traditional lenders fall short. RECENT TRANSACTIONS Overcoming Delayed CCC & Expiring DebtMay 26, 2026 Construction Loan for First Time DevelopersMay 20, 2026 Keeping Things SimpleMay 13, 2026 12NextLoad More Posts Indicative terms: Facilities up to: $10. 0m Interest Rates from: 6. 95% LVR up to: 75% Finance fee from: 1. 5% (excludes brokerage commission) Turn your residential property dream into reality. Talk to our teamHow to Apply1. Initial contactCall one of our expert Lending Managers to discuss your funding needs. Warren, Naomi or Andrew will give you immediate feedback, including indicative loan pricing and terms. 2. Funding applicationSubmit your application for funding. We aim to provide a same day assessment for all complete funding applications. We often issue a credit approved loan offer the same day, too. 3. Letter of offerAll of our letters of offer are credit approved and include specific loan terms such as: Loan amount and term Interest rate and any finance fees Purpose for lending Loan securities Any terms and conditions 4. Acceptance & due diligenceOn return of the letter of offer and... DEVELOPMENT & CONSTRUCTION Fast, flexible construction finance to get your project moving. Construction projects are complex. That’s why you need a funding partner with experience and flexibility. Our lending requirements are straightforward, with typically no requirement for a registered valuation, quantity surveyor, or project pre-sales. We provide first mortgage funding for property development and construction projects, such as: Residential single and multi-unit projects Commercial construction Major refurbishments Structural/Earthquake strengthening Our expert team will work to understand your project. With LVRs up to 70%, we can structure lending to support your cashflows and project requirements, including pre-commencement equity release, GST facilities, and deposit advances on key project materials. We can fund the full development cycle by converting the development facility to a lower cost Sell-Down Facility once CCC is issued, reducing your finance costs, protecting project margin, and enabling you to control the sale process. The sell down facility provides for GST, ensuring IRD obligations are met, and can include partial settlements, releasing a portion of the net sale proceeds back to the developer. Key Information We’ll review your project consents, plans, and costings to gain a commercial understanding of your project structure. If we have any questions, we’ll ask you directly. RECENT ARTICLES How Cressida Funds Construction Projects Across Different Building StructuresJuly 1, 2026 The Cressida DifferenceJune 23, 2026 Key lending terms: Facilities up to: $20. 0m LVR up to: 70% Interest Rates from: 6. 50% Establishment fee from 2. 00% Line fee from: 25 bps Can be structured to... CONTACT US Find us in NewmarketLocated opposite Auckland Domain on Carlton Gore Road, our offices are central and easy to access by car, bus or train. Street address: Level 2, 103 Carlton Gore Road, Newmarket, Auckland, 1023 Postal address: PO Box 99887 Newmarket, Auckland, 1149 Telephone: See here for a full Team Directory View Location & DirectionsREQUEST A CALL-BACK To request a call-back, just leave your name and contact details. One of our property finance specialists will be in touch within one working day. Name *Phone *Email *Message (optional)Send Thank you for your message. One of our property finance specialists will be in touch within one working day. ×There was an error trying to send your message. Please try again later. ×Lending ManagersWe’re here to help you succeedCall Warren, Naomi, or Andrew today to discuss your funding needs. Warren Law Senior Lending Manager +64 21 483 666 | Email | LinkedIn Andrew Stevenson Lending Manager +64 27 700 2708 | Email | LinkedIn Naomi Yueh Senior Lending Manager +64 21 912 006 | Email | LinkedIn Frequently Asked QuestionsWhy use a non-bank lender? At Cressida we aim to quickly form a commercial view on a transaction and take a flexible and personalised approach to lending which is not possible with a major bank. Who should I talk to and how quickly can I get an approval? Give any of our Lending managers a call, text message, or email. They are highly experienced property professionals and can provide direct feedback and... Property finance solutions. Talk to us todayLoans & FinanceFlexible, non-bank lending solutions for property developers and investorsDevelopment & ConstructionFrom site acquisition to sell down facilities, we can finance your residential development or commercial construction up to 70% LVR. We typically don’t need pre-sales, quantity surveyors, or valuations. Development & Construction > Residential PropertyCan't tick all the bank's boxes? No problem. We specialise in premium, fast-track funding for residential property. Immediate feedback, capitalised interest options, 48 hour settlements, and loan terms of up to 36 months. Residential Mortgages > Commercial PropertyWhether you’re refurbishing or re-tenanting, we provide flexible funding for commercial property. No WALT threshold or interest cover ratios, capitalised interest facilities available, and often no valuation needed. Commercial Property Finance > Bridging FinanceWe meet your timeframe, giving you confidence to secure your new opportunity. Loan terms from 3 months, no financials, and capitalised interest options available. Urgent settlement? It’s what we do best. Equity ReleaseNeed working capital to fund a settlement, finish a project, or support cash flow? We can help. We offer immediate engagement, capitalised interest options, flexible repayment terms, and a tailored finance package to suit your needs. Sell-Down FacilityOur market leading sell down facility allows developers to refinance construction funding, protect project margins, and create time to get the best market result. Explore property finance optionsProperty PeopleCressida works with the people who make property happen. Property DevelopersOur experienced lending team has extensive development funding experience across multi-residential builds, specialised commercial projects, and land subdivisions. Explore funding options...