LOANS & FINANCE

Specialist lending solutions for developers and investors

At 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 Development

Fast, flexible construction finance to get your project moving. No pre-sales, quantity surveyor or valuation typically required.

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Residential First Mortgages

First mortgage residential lending, tailored to meet a wide range of client needs – especially where traditional lenders fall short.

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Commercial Property Finance

Whether it’s an extension, refurbishment, re-tenanting, or completing seismic upgrades, we help commercial property owners move forward.

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We lend on your potential

Construction

Cressida offers residential and commercial construction funding options with a minimum of conditions, including single and multi-unit residential projects, commercial builds, and major refurbishments or fit outs.

No pre-sales, quantity surveyors, or valuations typically required.

Irregular Income

We recognise many people fall outside the tick-box criteria of the major banks. We lend to clients with irregular incomes like the self-employed, contract workers, and those with offshore income.

We offer interest-only or capitalised interest payment options to support cashflow, and a return to mainstream lending in time.

Investment Property

Cressida offers residential and commercial construction funding options with a minimum of conditions, including single and multi-unit residential projects, commercial builds, and major refurbishments or fit outs.

No pre-sales, quantity surveyors, or valuations typically required.

Sell Down Facility

Refinancing funding with a sell down facility allows time for developers to market and sell their completed stock without the stress of construction finance costs. We also provide for partial settlements, enabling the developer to retain a portion of sales proceeds, GST obligations, and capitalising interest payments. It’s a smart way to manage the final stage of a project and preserve momentum and margin.

Sell down facilities are typically 6 – 12 months with LVRs up to 75%.

Bridging Finance

Get from where you are to where you want to be. Bridging finance is ideal where time is critical, such as buying a new property before your existing property is sold,
or while waiting for bank funding to be confirmed.

Loan terms from as short as 3 months, interest is often capitalised, and urgent settlements are our speciality.

Equity Release

We help our clients unlock equity in existing property assets to to fund a new project or business opportunity.

Whether it’s acquiring another property, purchasing a business, or boosting working capital, our solutions are designed to support growth when timing matters most.

Frequently Asked Questions

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.

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 terms straight away.

We have a wide range of clients including property investors, property developers, business owners, and people who need a flexible finance solution quickly to move forward.

Our lending includes residential development such as townhouses and house construction projects, commercial development projects, commercial and residential investment property acquisition, land subdivision, section finance, completed stock funding, and bridging scenarios where two settlements don’t quite line up.

A high level understanding of your background, the purpose of the funding and repayment strategy is a good starting point. Address and relevant details of the security property and, if there’s a project involved, then just let us know how things are going with resource and building consents.

Generally we don’t require a registered valuation. Our highly experienced team can quickly form an evidence based view on a property’s value range. This saves time and money.

Typically we will not require a quantity surveyor and, while pre-sales are a positive for any project, they are not a requirement either.

Yes, we understand that at the end of a project cash flow is king. We regularly do equity releases / partial discharges on request from our clients.

Yes, we’re more interested in the project or your plan than your current income position. If it makes sense to you then chances are it does to us as well.

We offer our clients the option to either service the loan interest or capitalise it to the loan account and pay this when the loan is repaid.

Our rates are market leading – to get the most accurate up to date rates just call one of our Lending Managers.

From 3 months up to 36 months.

Yes, Cressida is a registered Financial Service Provider and is a member of the Financial Dispute Resolution Service. More details on this service can be found at www.fdrs.org.nz

Lending Managers

We’re here to help you succeed

Call 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

Success Stories

Real People, Real Projects, Real Results

Cressida Capital has supported property developers and investors throughout New Zealand for over 20 years.
Explore some of our recent projects.

Equity Release for First-Time Developer

Tailored Construction Finance

Flexible Construction Finance for Owner-Builder

Testimonials

Hear from those who’ve experienced the Cressida difference first-hand

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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
needs.

Cressida can support your success with fast, flexible finance at market leading rates. All our loan offers are credit approved and funding is pre-allocated, so if you need to settle quickly we can too.

Immediate responses and fast settlement

Finance solutions tailored to your needs

Hugely experienced and professional team

Market leading rates

20+ years in business