We provide first mortgage finance for non-CCCFA borrowers, lending against residential and commercial land and/or buildings throughout Aotearoa New Zealand. We understand the dynamics of the property market, and work exclusively with mortgage advisers to provide you with a solution, not just a product.
Ask your mortgage adviser about our tailored mortgage solutions.
We can put you in touch with an independent mortgage adviser.
Utilise the equity in your existing property to renovate, fund an investment or take advantage of other opportunities.
Short-term funding solutions, open or closed bridging loans, to help you purchase a new asset or sell down your current property.
If buying a property for investment purposes, we can provide terms tailored to your strategy.
It might be time to consider alternatives. Ask your mortgage adviser to check if we can help.
Innovative solutions with flexible terms tailored to your needs.
While not our primary focus, we will look at financing commercial property on a selective basis.
*Our fixed interest rates depend on the credit profile of the borrower and security. All loans are subject to our standard Loan Fees, Terms and Conditions.
**Or if multiple securities, up to our loan maximum of $2 million
Reach out to your mortgage adviser or request a referral. If you don’t have a preferred mortgage adviser, we are happy to connect you with an independent mortgage adviser.
Your mortgage adviser will prepare and submit your application along with the required supporting documents.
We conduct a thorough analysis and due diligence on both you, the borrower and the security property to ensure each deal aligns with our lending criteria and risk appetite.
If approved, we will issue a formal offer letter to your Mortgage Adviser outlining the loan terms and conditions for review.
Once you accept the offer, you will then work with your adviser to meet AML/CFT requirements and any other lending conditions.
Welcome’s solicitor will prepare the loan documentation and liaise with your solicitor to arrange settlement of the loan facility.
Once Settled, your loan is in place, and we are here to support you throughout the term.
Welcome only provides loans secured by first mortgage over residential and commercial land and/or buildings in New Zealand. Our loans are tailored to each borrower’s unique circumstances and requirements. Loans are typically 6 to 24 months, but we may provide shorter or longer terms where appropriate. Payment terms can be principal and interest, interest only, or in certain cases capitalised and payable on maturity. We make loans available for various purposes to individuals, companies, trusts, and other types of borrowers. We do not provide CCCFA lending.
Welcome invests in loans secured by first mortgages only. If a borrower is unable to meet the terms of the loan agreement and the property is sold, Welcome has first priority claim to the sales proceeds to recover the amount owing to us.
The amount you can borrow from Welcome is dependent on your financial circumstances and the security provided.
Yes, Welcome works direct with mortgage advisers nationwide.
Talk to your mortgage adviser in the first instance. If you do not have a mortgage adviser, get in touch with the Welcome team on 0800 WELCOME (0800 935 2663) or [email protected] and we will put in you touch with an independent mortgage adviser.
Non-CCCFA refers to loans that are not regulated under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). Loans that are regulated under the CCCFA tend to be made to an individual borrower for personal use, rather than for commercial investment purposes. Welcome is a non-bank lender, providing first mortgage finance for non-CCCFA borrowers, working direct with financial advisers nationwide. We lend against residential and commercial land and/or buildings throughout New Zealand.
