Direct access
Speak directly with Hudson’s account managers and decision-makers. You will not be passed between departments or required to navigate unnecessary layers of approval.
For borrowersProperty finance,
Property finance,
dealt with directly.
Fast, flexible property-backed lending with direct access to the people assessing your transaction.
Hudson provides short-term property finance for New Zealand borrowers who need a responsive and commercially practical lending solution. You do not need to come through a broker — contact Hudson directly, discuss your transaction with our team and receive an initial view before preparing a complete application.
We assess each transaction on its own merits and consider the security, loan purpose, borrower, timeframe and proposed exit strategy — not only a rigid set of lending metrics.
Deal directly with Hudson. No broker required. No unnecessary layers of process.
Why borrowers choose Hudson
Direct, practical and relationship-driven.
Competitive pricing
Private lending does not always need to mean excessive pricing. For strong, well-secured transactions, Hudson will consider competitive rates and the overall cost and structure of the loan.
Flexible terms
We can consider practical loan structures, repayment arrangements and terms that reflect the particular transaction, rather than forcing every borrower into the same standard product.
Long-term relationships
Hudson aims to understand its borrowers and support good transactions over time. We value clear communication, fair treatment and relationships that continue beyond a single loan.
You can come directly to Hudson.
Hudson works with brokers and professional advisers, but a broker is not required. Borrowers are welcome to contact us directly about a refinance, settlement, bridging requirement, business-purpose loan or other property-backed transaction.
Send us a brief summary of what you need, even if you do not yet have every document available. We will let you know whether the transaction appears to fit and what information would be required next.
How it works
A straightforward path from enquiry to settlement.
- 01
Tell us about the transaction
Submit a short enquiry with the property, loan amount, purpose, timeframe and proposed repayment strategy. You do not need a complete application at the first stage.
- 02
Receive an initial view
Hudson reviews the security, location, proposed LVR, borrower circumstances, loan purpose, exit strategy and timing — and tells you whether the transaction appears worth progressing.
- 03
Agree the lending structure
Where the transaction fits, Hudson may provide indicative terms — subject to full credit assessment, valuation, due diligence, documentation and investor funding.
- 04
Complete assessment & settlement
Once approved, Hudson works directly with you and your advisers to complete valuation, legal documentation, conditions and settlement — and you keep dealing with the same team throughout the loan.
Funding solutions
Short-term property finance for real situations.
Refinance
Replace an existing bank or private lender, consolidate short-term debt or create additional time to complete a longer-term refinance strategy.
Bridging finance
Bridge the timing gap between a purchase and sale, an upcoming refinance, a property settlement or another defined repayment event.
Settlement finance
Short-term funding for an unconditional or time-sensitive property settlement where a responsive lending decision is required.
Business-purpose funding
Capital for working capital, expansion, acquisitions, restructuring, tax obligations or other legitimate commercial purposes, secured by acceptable property.
Capital release
Unlock equity held in residential, commercial or land assets to fund another acquisition, business requirement or investment opportunity.
Bank refinance delays
Funding for borrowers whose bank refinance is delayed by financial reporting, servicing calculations, documentation, processing time or bank policy.
Renovations and property improvements
Funding for clearly defined renovation or improvement work intended to add value, improve marketability or prepare a property for sale or refinance.
Small subdivisions and completion funding
Short-term funding for smaller subdivisions, title completion or limited outstanding works where there is a clear path to completion and repayment.
Hudson does not provide consumer or personal-purpose lending regulated by the CCCFA and does not generally provide traditional ground-up development or construction finance. A transaction involving a developer is not automatically excluded — Hudson may consider bridging against other property, completed or substantially completed projects, capital release between projects, funding pending titles or property sales, renovations and clearly defined completion work.
Our approach
Commercial assessment, not automated lending.
Hudson does not assess transactions solely by entering figures into a standard lending model. Every transaction is considered individually — we look at the complete lending position and whether there is a practical, well-supported way for the loan to be repaid.
The property
Property type, condition, location, market demand, valuation and likely marketability.
The proposed LVR
The relationship between the loan amount, existing secured debt and the value of the proposed security.
The borrower
Background, relevant experience, financial position and ability to execute the proposed strategy.
The loan purpose
Why the funding is required and whether the loan supports a legitimate business or investment purpose.
The timeframe
The required settlement date, loan term and any time-sensitive events affecting the transaction.
The exit strategy
How and when Hudson is expected to be repaid, including supporting evidence for a sale, refinance, title, settlement or other repayment event.
The overall risk and structure
The complete transaction, proposed conditions, interest arrangements, guarantees and any other relevant security or risk mitigants.
A transaction does not need to fit a perfect template, but it must have acceptable security and a clear, credible repayment strategy.
Current lending parameters
A quick guide to where Hudson may assist.
Pricing and lending parameters are indicative only. Actual terms depend on the property, valuation, location, borrower, loan purpose, complexity, term, exit strategy, investor appetite and overall transaction risk. Legal, valuation and other third-party costs may also apply.
Already have another lender’s terms?
Send the complete proposal to Hudson and let us review it. Where a transaction has strong security, a conservative LVR, a credible borrower and a clear exit strategy, Hudson will consider whether it can offer more competitive pricing, more practical conditions or a better overall structure.
We will review: interest rate • application and establishment fees • loan term • early repayment provisions • interest-payment structure • material conditions • settlement timing • total cost of the proposal.
The lowest headline rate is not always the best loan — conditions, fees, flexibility and responsiveness can be just as important.
Send us the existing termsUrgent transaction?
Settlement may be possible in around three working days.
For a straightforward transaction supported by strong, readily marketable security, Hudson may be able to complete settlement within approximately three working days — subject to prompt information, credit and legal assessment, acceptable valuation and security, satisfaction of conditions and sufficient investor subscriptions.
We will communicate clearly about timing and feasibility from the beginning, and will not promise a settlement date we do not reasonably believe can be achieved.
Beyond a single transaction
A lender you can continue dealing with.
Hudson wants to build lasting relationships with good borrowers. We understand that property and business transactions do not always proceed exactly to the original timetable. Where circumstances change, we aim to communicate early, understand the position and work constructively toward a practical outcome.
This does not mean every extension, variation or further advance will be approved. It means you will be able to speak directly with people who understand your loan and can make a commercial decision.
- A direct line to the team managing your loan
- Clear communication before and after settlement
- Fair consideration of variations and renewals
- Practical decision-making when circumstances change
- Opportunities to discuss future transactions directly
- No re-explaining your history to a new department
Start a conversation
Tell us what you need.
Provide a brief summary and choose how you would like us to respond. You do not need to have every document available at this stage.
Prefer to talk first?
Contact the Hudson team directly.
We are happy to discuss a transaction before a formal application is prepared.
Tom Robinson
Finance Account Manager
021 189 1003tom@hudsonfinance.co.nzTaylor Newdick
Finance Account Manager
021 248 1117taylor@hudsonfinance.co.nzQuestions answered
Frequently asked questions.
Do I need to use a broker?
No. Hudson works with brokers and professional advisers, but borrowers are welcome to contact us directly.
Do I need a completed application before contacting Hudson?
No. A brief transaction summary is enough for an initial discussion. Hudson will tell you what further information is needed.
How quickly can I receive an initial response?
Hudson aims to provide prompt initial feedback once the essential information has been received. More complex transactions or incomplete information may require further review.
Can Hudson settle urgently?
Potentially. Straightforward, well-secured transactions may be capable of settlement in approximately three working days, subject to all assessment, valuation, legal, funding and documentation requirements.
Does Hudson lend throughout New Zealand?
Yes. Hudson considers property security throughout New Zealand, with each location assessed according to demand, marketability, valuation and the proposed exit strategy.
Does Hudson provide development finance?
Hudson does not generally provide traditional ground-up development or construction finance. It may consider smaller subdivisions, limited completion work, renovations, funding pending title or sale, bridging against other property and completed or substantially completed projects.
What security does Hudson require?
Hudson generally requires a registered first mortgage over acceptable New Zealand property. Additional security, guarantees or a General Security Agreement may be required depending on the transaction.
Will I need a registered valuation?
An acceptable registered valuation or other valuation evidence will generally be required before settlement. The precise requirements depend on the property and transaction.
Can interest be capitalised?
Hudson generally structures loans as interest-only with interest serviced monthly. Alternative arrangements, including limited capitalised or retained interest, may be considered where appropriate for the particular transaction.
Can I repay early?
Early repayment provisions are set out in the applicable loan terms. Hudson can consider practical early repayment arrangements when structuring the transaction.
Ready to discuss your next transaction?
Contact Hudson directly for a quick, commercial view on your funding requirement. Submit a brief deal summary, request a phone call or ask us to respond by email.
No broker required. No obligation to proceed.
Lending is subject to Hudson Limited’s credit assessment, satisfactory due diligence, acceptable valuation and security, completion of legal documentation, satisfaction of all lending conditions, investor approval and sufficient investor subscriptions. Indicative feedback or terms do not constitute a binding offer of finance. Lending parameters, pricing and investor appetite may change. Hudson does not provide consumer or personal-purpose lending regulated by the Credit Contracts and Consumer Finance Act 2003. Borrowers should obtain independent legal, financial and tax advice where appropriate.