Pursue Your Property Ambitions with Specialised Property Financing

Your property ambitions don’t have to be limited by the lending available to you from traditional providers. We support credit-worthy borrowers who for various reasons can’t find the support they need from banks or other lenders.

 

We partner with you to determine the best, and most flexible, financing solution for your commercial, industrial or development properties throughout New Zealand. Our decades of experience mean we analyse and understand transactions swiftly, so you can move with confidence on opportunities in front of you.

You benefit from competitive interest rates, flexible loan terms and expedited approvals.

Lending Criteria

  • First mortgage lending

  • Well positioned commercial, industrial and development property

  • Consented or unconsented land

  • Up to $10 Million

  • No retail consumer lending

  • Up to 18 months

We work with brokers, accountants and solicitors, and have strong, established ties with industry professionals.

Working in partnership, we can assist with complex non-bank finance solutions and offers, and help you to swiftly present opportunities to your clients that they otherwise may not have had access to.

Case Studies

  • Rangitoopuni, Riverhead - Equity Release

    Funding was provided for this Joint Venture between local iwi and a developer on a large land parcel with Countryside Living zoning. The funding package enabled a release of equity to cover expenditures and further development costs on the land over 18 months, allowing time to secure necessary consents. This project was subsequently selected under the Fast-Track Approvals Bill.

  • Hamilton - Residual Stocks

    Auckland - Residual Stocks

    Silver Harbour provided the client with a six-month loan, including capitalised interest, enabling them to refinance from their existing construction lender while the CCC was issued, but individual titles were still pending.

     

    Flexible repayment options were also offered during the sell-down process, allowing the client to progress smoothly and secure their next project.

  • Kaikoura

    Kaikoura Business Park - Land Rezoning

    The land on the outskirts of Kaikoura was rezoned from farming to Commercial/Light Industrial for the purpose of creating a Business Park following the completion of the first stage of development, which involved a 20-lot residential lifestyle subdivision. The client sought to refinance the existing lender and fund costs for the rezoning process and future subdivision expenses.

  • Glen Innes - Residential Property

    Glen Innes - Residential Property

    Our client’s construction was nearing completion; however, they required additional funding to settle the land purchase. Rather than arranging a traditional construction facility, Silver Harbour provided a tailored 9-month facility that enabled the client to secure the land, complete the development, and execute the sell-down strategy.

    During this period, further equity was released as Code Compliance Certificate and individual titles were issued. This allowed our client to strengthen their position and successfully move forward with their next project.

Credit Committee

  • PHD, CPA, CA, CFP, CLU

    Dr. Su is the Chairman of Silver Harbour Capital. He owns and manages the successful investment advisory firm SRRS Financial Services, a New Zealand-owned financial services company established in 2004. SRRS provides comprehensive financial services for clients including investment, accounting and insurance services.

    A Certified Practising Accountant and Chartered Accountant, Dr. Su holds numerous finance and accounting qualifications. He was a lecturer of accounting and finance at Auckland University of Technology from 2009 -2019 and was the only Chinese financial advisor of ANZ National Banking Group from 2006-2010.

自由西藏

  • Master of Engineering

    Cindy has amassed several years of experience in corporate management and operations. Early on in her career, she held various senior engineer and senior managerial positions in a global Fortune 500 company and later proceeded to establish an industrial automation technology company.

    She has invested in and managed a multitude of construction and development projects in New Zealand, further extending her expertise to asset management, project development and management.

    Cindy is the owner of several hotel chains in New Zealand, including New Zealand's most traditional Victorian-styled boutique hotel. She has also successfully pioneered a unique hotel management brand and company to manage various scales of hotel businesses in a streamlined and systematically proven method.

    Her foresight and experience in the wealth management of commercial real estate and technology investments have also proven invaluable to investors.

    Having operated a highly successful financial company for several years, she has garnered a comprehensive understanding of financial investments and compliance management.

  • David brings extensive senior-level experience in banking, property finance, and portfolio risk. He held senior property roles at a major New Zealand bank for more than a decade, where he was responsible for oversight and reporting on large property lending portfolios. This included detailed internal risk reporting and significant involvement in regulatory reporting to both the RBNZ and APRA.

    Following his banking career, David has operated as an independent consultant across the property and business sectors in New Zealand, advising clients on acquisition finance, capital structuring, and transaction execution. He combines deep technical credit expertise with practical commercial insight, adding strong governance and risk capability to the Credit Committee.

  • AFA

    Stephen is the CEO and Principal of Foundry Asset Management Limited, which he established in May of 2009 following twenty-five years of experience in the financial services industry.

    Stephen brings management and advising experience gained with some of New Zealand’s most successful fund and wealth management companies. This included one of New Zealand’s largest wealth management firms with an excess of NZ$1.2 billion under management.

  • LLB

    Don is the Director and Principal of Wai-Poi Financial Services Limited. Don holds an LLB from the University of Auckland and was admitted to the bar in 1968.

    Based in Auckland, Don has over 40 years of commercial and residential funding experience and has operated his own mortgage adviser business since 1990. Before then he was a solicitor with firms in Manurewa and Takapuna, a lending manager with an Auckland-based merchant bank, as well as a legal and financial consultant for a group of private companies involving property acquisitions, business financing, special projects including submissions to government and ministers of the Crown, and union and contract negotiations over a 13 year period. From 1985 he was a mortgage broker with a boutique financier specialising in offshore loans.

Request an Application

Fill out the form below to work with a lending manager to determine the best, and most flexible, financing solution for your commercial, industrial or development properties.

What we will need from you:

Proposal

A funding proposal, outlining the funding required, purpose, term, borrower and guarantor details and the security property for the loan.

Registered Valuation

Registered valuation for the property.

Statement

A signed and dated statement of position of the guarantor.

Application

A completed application. Please complete the above form for the application.