Bridging Loans
Bridge the gap. Keep moving.
Short-term bridging finance from $50,000 to $1m for business-purpose property transactions. Match the loan to your sale or refinancing plan.
When a bridging loan can help
What is a bridging loan?
A Kinox bridging loan uses equity in your New Zealand residential property to cover a short-term business funding gap while you wait for a property sale, refinance or project proceeds.
Borrow $50,000 to $1 million, for up to 12 months, with a combined LVR of up to 85%, including existing secured loans. Approval depends on your property and a clear repayment plan.
The loan is secured under a property security agreement, with a caveat protecting the lender’s interest on the title. Your solicitor will review any required lender consent and priority arrangements.
Short-term funding. For your next business move.
Why bridge with Kinox?
We’re a property-focused lender that moves as fast as you do.
Unlike the bank or other non-bank lenders, we don’t ask for tax returns, profit-and-loss statements, or five layers of credit approvals.
- Simple online application
- Transparent pricing
- In-house legal support with competitive fees and fast processing
A clear plan to repay
Before you bridge, know where your repayment will come from—and when.
- Property sale: Allow for your existing mortgage and selling costs.
- Refinance: Confirm the lender’s requirements and allow time for approval and settlement.
- Business income: Identify confirmed payments and allow for delays.
Know your costs. Plan for delays.
Review the total interest, fees and repayment terms in your offer, including potential costs if repayment is delayed.
Keep a backup plan and contact us early if your timing changes. Extensions require approval. Your property may be at risk if you cannot repay.
Short-term funding. A clear way forward.
Four Steps to Funding
Apply Online
Just enter your basic details, current lending, and your exit strategy.
Fast Review
We check your property title, LVR and exit plan, with a response targeted within 24 hours.
Review Offer
Consider the rate and fees, and discuss the offer with your solicitor.
Sign & Fund
Sign the loan documents. Once conditions are met, we register the caveat and release funds.