Property Development Finance
Property development projects in New Zealand often require a different funding approach than standard property lending. The structure, timing and risk profile are different, which means the funding needs to be tailored to the project.
At Vive Capital, we help developers secure funding for land acquisition, construction and development projects. This may include funding through banks, non-bank lenders or private capital depending on the structure of the deal.
Some projects fit traditional lending. Others require a more flexible approach. Our role is to understand the project and structure funding around the opportunity.
Development projects we help fund
We work with a range of property development scenarios, including townhouse projects, subdivisions and staged developments. Some clients are experienced developers, while others are completing their first project.
Funding may be used for:
Land acquisition for development
Townhouse and unit developments
Subdivision projects
Build-to-sell developments
Small to medium developments
Multi-stage development projects
First-time developers
Projects requiring flexible structures
Each project is assessed on its own merits, including feasibility, team experience and exit strategy.
What lenders typically look at
When assessing property development finance, lenders usually focus on a few key areas. These help them understand both the strength of the project and the risk involved.
This typically includes:
Total development cost
Loan to cost ratio
Loan to value ratio on completion
Project profitability
Developer experience
Strength of the team
Exit strategy
A strong feasibility and clear funding structure can significantly improve the chances of approval.
Flexible funding structures
Not all development projects fit inside traditional bank policy. Some require staged funding, interest capitalisation or multiple lenders.
Depending on the project, funding may include:
Bank development finance
Non-bank development lending
Private funding
Mezzanine finance
Staged drawdown facilities
Residual stock lending
Bridging finance for site acquisition
The right structure depends on the project and timeline.
Talk to us early - when to look at development finance
The best time to review funding is early in the process. This allows the project to be structured correctly before commitments are made.
We can help when you are:
Assessing a development site
Reviewing a feasibility
Negotiating a purchase
Preparing for consent
Getting ready to build
Refinancing an existing project
Early planning often creates more funding options.
Discuss your project
If you're planning a development or assessing an opportunity, we can help you understand what funding options may be available and how lenders are likely to view the project.