PROPERTY DEVELOPMENT & SUBDIVISION FINANCE – AUCKLAND

Finance Structured Around Your Development Project.

From land acquisition and construction funding to refinance and residual stock, speak directly with Frank Cui about finance options across bank and non-bank lenders.

✓Development & construction finance.
✓Bank & non-bank lending options.
✓Funding structures tailored to the project.

Prefer to call? 0800 798 185

Let’s Look at Your Options

Experienced

Property Finance Team

30+

Bank & Non-Bank Lenders

2026 Winner

Brokerage of the Year

End-to-End

From Structure to Drawdown

A clearer path to your first home

Tell us about your plans

We learn about your income, deposit, timeframe and property goals.

Understand your borrowing position

We assess your current position and explain what may be realistic.

Prepare for pre-approval

We help organise the information lenders typically want to see.

Move from offer to settlement

We support you through lender conditions, documentation and timing.

INDUSTRY RECOGNITION

Award-winning mortgage expertise

Recognised by leading New Zealand mortgage and financial services industry awards.

2026

NZA Top Brokerage

NZMA26-Gold Medal-Prospa Brokerage of the Year – 6+ staff

2026

NZMA Brokerage of the year Winner

2025

NZA Top Brokerage

Flexible finance for every stage of your property journey

Finance for different development needs

From acquiring a site and progressing consent through civil works, construction, completion orrefinance, different stages and project circumstances require different funding structures.EverBright helps assess bank and specialist non-bank options based on the site, timing, costs,security and proposed exit.

Land Acquisition

Finance to secure the right site

Development Finance

Funding for multi-unit and subdivision projects

Construction Finance

Stage payments to keep your build on track

Refinance

Release equity or reset your finance

Residual Stock

Finance for unsold units or completed stock

Bridging Finance

Short-term funding to bridge timing gaps between transactions.

The Right Finance Is About More Than the Rate.

Property finance depends on leverage, valuation, bulld cost, presales. borrower experience. servicing and exit strategyDifferent lendersmay assess the same project very differenty,whichis why the rightstructure and lender fit can make a signifcant difference.

Structure

We help structure your financeto match your project, cashfiowand exit strategy.

Lender Fit

We compare options across bankandnon-banklenders tofind thebest fit for your deal

Execution

We manage the application processand stay involved through toapproval and drawdown.

GET READY TO TALK

Every project is diferent. We help assess the trade-offs and identify a potential pathway that fits the project stage. timing and exit strategy.

Available options are subject to borrower circumstances, security, lender criteria and approval.

Discuss Your Project

Access to 30+ bank and non-bank lenders

More lender options for your first home

Development finance in action

Every project brings a different combination of timing, security, costs and lender requirements.

Development Finance

75% LVR Funding secured

Non-bank lender

Staged Drawdowns

Challenge

The developer needed funding at lease 75% LVR to move the project forward, but the lenders they had approached were capped at 70%, leaving an equity gap.

Finance Approach

We matched the project with a lender able to support the higher LVR and structured a funding solution around the developer’s equity position and project requirements.

Outcome

Funding was secured to commence construction, with a clear drawdown plan to support the project through the build.

Residual Stock

6 Completed homes

$2.4m Refinance facility

Staged Sales exit

Challenge

Construction was complete, but several properties remained unsold as the development loan approached maturity. The developer needed more time to sell without being forced into a rushed exit.

Finance Approach

We arranged refinancing against the completed properties to repay the construction loan, with an agreed loan term and property release structure aligned to the sales plan.

Outcome

The construction loan was repaid, giving the developer more time to sell the remaining homes and reduce debt as each sale settled.

Main bank project finance

Main Bank Funding secured

$3m Facility

3 Homes Development

Challenge

The developer wanted to secure main bank construction funding, but needed to demonstrate the project’s feasibility, funding position and repayment strategy to meet the bank’s approval requirements.

Finance Approach

We worked with the developer to strengthen the funding proposal, bringing together the project budget, equity position, valuation and sales strategy before presenting the deal to the bank.

Outcome

Main bank funding was secured, with staged drawdowns aligned to construction progress, enabling the developer to move ahead with the build.

Case study examples use representative figures. Actual outcomes depend on project specifics, borrower circumstances and lender criteria.

What our clients say

Verified reviews from our Google Business Profile

★★★★★5-star Google rating – 330+ customer reviews

Kathy Y.

“Best service I have experienced. Under the current unsettled financial climate, the team had provided me with a great analogy of what worked the best in my situation and unlighted me with valuable information. I am very happy and will continue to choose their service.”

Ying Z.

“Dealing with EverBright Finance, It is an easy and pleasant journey. They are professional, reliable and efficient, giving us strong supported. All the best to them. Hope their business getting better and better.”

Anna K.

“EverBright Finance demonstrated expert knowledge, transparent communication, and a commitment to client satisfaction. They secured a fantastic rate for me, and their guidance made the process seamless.”

Why developers work with Frank

Developer perspective

Understands the commercial realities of property development.

Funding strategy

Looks beyond the headline rate to leverage, cash flow and exit.

Lender access

Works across bank and non-bank lenders to explore suitable structures.

Our team of experts is here to help

Talk to our property finance specialist about your project.

Book a chat

Ready to take the first step?

Tell us a little about your plans and an EverBright adviser will contact you to discuss your next step.

Finance Structured Around Your Development Project.

Let’s Look at Your Options

Experienced

30+

2026 Winner

End-to-End

A clearer path to your first home

Tell us about your plans

Understand your borrowing position

Prepare for pre-approval

Move from offer to settlement

Award-winning mortgage expertise

2026

2026

2025

Finance for different development needs

Land Acquisition

Development Finance

Construction Finance

Refinance

Residual Stock

Bridging Finance

The Right Finance Is About More Than the Rate.

Structure

Lender Fit

Execution

Every project is diferent. We help assess the trade-offs and identify a potential pathway that fits the project stage. timing and exit strategy.

Access to 30+ bank and non-bank lenders

Development finance in action

Development Finance

Challenge

Finance Approach

Outcome

Residual Stock

Challenge

Finance Approach

Outcome

Main bank project finance

Challenge

Finance Approach

Outcome

What our clients say

Why developers work with Frank

Developer perspective

Funding strategy

Lender access

Our team of experts is here to help

Ready to take the first step?

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