Credence provides property development finance, often without strict pre-sale requirements. And our strong development experience means we can approve loans within hours, not days.

Our clients projects include land subdivisions, multi-unit house construction, apartments, commercial and industrial buildings, marinas and other special purpose assets including hotels and retirement complexes. Funding isn’t always dependent on having a fixed-price Head Contractor; we often work with experienced developers able to lock in a percentage of sub trades.

Credence can finance property transactions that fall outside of bank lending criteria. Our experience and financial strength gives us greater flexibility than other financiers.

Banks have many reasons to refuse finance:

• When debt servicing is difficult to prove.
• Interest payments need to be capitalised or part capitalised.
• LVR is higher than what the bank is comfortable with.
• Resource consent has not been issued.
• Perhaps a project is still in the marketing phase securing pre-sales to unlock bank funding.
• The property requires refurbishment, seismic strengthening or other works.
• The property is bare land.

Credence has unrivalled expertise with arranging investment and development finance within the New Zealand banking system. We have arranged bank financing transactions ranging from townhouse construction projects through to syndicated financing for major commercial projects

At Credence, we understand that owning your dream home is a significant milestone. That’s why we’re here to help make your homeownership journey a reality. Whether you’re a first-time homebuyer or looking to upgrade your current home, our mortgage solutions are designed to meet your unique needs.