Welcome keeps your deals moving
Use property equity to support investment, renovation or other approved purposes.
Short-term funding to help clients buy, sell or transition between properties.
Lending tailored to your clients' investment property strategies.
A practical option when your clients need an alternative funding pathway.
Welcome works with mortgage advisers to keep deals moving; practical conversations, fast, clear answers, and an open mind when a scenario doesn’t neatly fit the box.
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 $2,500,000
*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 $2,500,000
Send us a scenario, submit an application on your client’s behalf, or give us a call for an appetite check.
We’ll respond quickly, sometimes with a few questions. You’ll receive indicative terms for confirmation, or a fast ‘no’ if we’re not the right lending partner.
If the assessment is successful, we’ll prepare and issue the offer letter for your client’s consideration.
| Sign and return the Offer Letter within five working days. |
Once signed, our solicitors will prepare loan documents within 24 hours, and we’ll work closely with you to meet settlement requirements.
Yes, Welcome works directly, and solely with mortgage advisers, nationwide.
Welcome only provides loans secured by first mortgage over residential and commercial land and/or buildings in New Zealand. We work with mortgage advisers and tailor loans 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, see your mortgage adviser in the first instance.
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 you in 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.