Speed
Quick initial feedback and the ability to progress straightforward transactions without unnecessary delay.
For brokers & professional advisersPrivate property finance with
Private property finance with
direct access to decision-makers.
Responsive, relationship-driven funding for business and investment borrowers requiring short-term finance secured by New Zealand property. Speak directly with the people assessing and approving the transaction — no call centres, unnecessary layers or rigid automated decisioning.
Not sure whether it fits? Send us the essentials and we will give you a quick, honest initial view.
Direct access
Deal directly with Hudson’s account managers and decision-makers throughout the assessment and settlement process.
Competitive & flexible
As a nimble boutique lender, Hudson can consider each transaction on its merits, including practical structures, flexible terms and competitive pricing for strong deals.
You will deal directly with Hudson’s decision-makers — not layers of process.
Current lending parameters
A quick view of where we can help.
Loan size$100,000–$3 million
Loan term3–24 months
Indicative interest rates7.50%–8.95% p.a.
Application fees1.00%–1.50%
Improved-property LVRUp to 70%
Vacant-land LVRUp to 50%
SecurityRegistered first mortgage
RepaymentGenerally interest-only
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.
Get an initial assessmentBorrowers we consider
Individuals borrowing for business or investment purposes, companies, trusts, property investors, business owners, experienced property operators and other commercial borrowers.
Purposes we consider
Refinance, bridging, settlement, property acquisition, working capital, business-purpose funding, capital release, debt restructuring, bank-refinance delays, renovations, limited completion work and small subdivisions.
New Zealand-wide
Security is considered throughout New Zealand. Each location is assessed according to local demand, marketability, valuation and the credibility of the proposed exit.
Generally outside our appetite
- Consumer or personal-purpose lending regulated by the CCCFA
- Traditional large-scale ground-up construction and development
- Transactions above Hudson’s acceptable LVR
- Transactions without acceptable property security
- Transactions without a credible exit strategy
Does your deal fit?
Run a quick initial screen.
An initial screening only — not an approval or offer. Hudson considers every transaction on its individual merits.
This tool provides a preliminary screen only. It is not credit approval, financial advice or an offer of finance.
Transaction appetite
Send us property-backed, short-term transactions with a credible exit.
Urgent refinance
An existing lender must be repaid within a limited timeframe and the borrower has a defined repayment strategy.
Bridging pending sale
Repayment is expected from the sale of an identified property or another clearly defined event.
Time-sensitive settlement
The borrower has an unconditional or urgent settlement and requires a responsive funding solution.
Business-purpose funding
Working capital, acquisition, tax obligations, shareholder changes, expansion or restructuring, secured against acceptable property.
Bank refinance delayed
A commercially sound borrower is being delayed by servicing calculations, financial reporting, bank processing, documentation or policy.
Short-term capital release
Temporary liquidity for a property owner with sufficient acceptable security.
Repositioning or limited completion work
Funding to finish defined work, obtain title or consent, secure a tenant, improve marketability or progress to bank refinance.
Small subdivision lending
Short-term funding for a smaller subdivision with a clear route to title and an orderly sale or refinance strategy.
Unsure whether the deal fits?
You do not need to prepare a complete application. Send us a concise summary and we will tell you what we think and what information would be required next.
Send us a deal summaryLet us review the pricing and structure.
Private lending does not always need to carry premium pricing. Where a transaction has strong, readily marketable security, a conservative LVR, an experienced borrower and a credible exit strategy, Hudson will consider whether it can match or improve competing private-lender terms.
Send us: the interest rate • application and establishment fees • loan term • early repayment provisions • material conditions • required settlement date.
We review the complete cost and structure — not only the headline interest rate.
Send us the competing termsSettlement may be possible in around three working days.
For straightforward transactions supported by strong and readily marketable security, Hudson may be able to complete settlement in approximately three working days. This is subject to timely receipt of all required information, satisfactory credit and legal assessment, acceptable valuation and security, satisfaction of conditions, investor approval and sufficient investor subscriptions.
Quick initial assessment
Send the essentials first.
You do not need to prepare a complete formal application before speaking with us.
- 01
Send the deal summary
Use Hudson’s online form, email us or call the team.
- 02
Initial review
We review the security, location, LVR, borrower, purpose, timing, exit and key risks.
- 03
Investor appetite
Because Hudson is funded through individual private-investor participation, we consider current investor appetite at an early stage.
- 04
Quick initial response
We provide an indicative view, potential terms where appropriate and advise what further information is required.
- 05
Full assessment & settlement
Credit assessment, due diligence, valuation, approval, investor subscriptions, legal documentation, conditions and settlement.
Borrower
Borrower name and entity • background and experience • known credit, legal, tax or repayment issues.
Loan
Amount required • purpose • existing secured debt and lender • required settlement date • requested term and target pricing.
Security
Address and property type • estimated value or valuation • proposed LVR • sale and purchase agreement where relevant.
Exit
Proposed repayment strategy • supporting evidence • competing terms or existing term sheet.
Send to Hudson for an initial view
You can leave out information you do not yet hold. We will tell you what is essential before the transaction can proceed.
Case studies
Practical solutions for real transactions.
Subdivision completion and refinance
$2.5m | 50% LVR | 12 months | Dairy FlatA seven-lot subdivision was placed under pressure by council delays and the risk of a forced sale. Hudson provided first-mortgage funding and worked through the timing issues to preserve the project’s underlying value.
View case study →
Hudson provided additional funding where appropriate to help the borrower reach completion, taking a constructive approach rather than a purely enforcement-focused one. The subdivision is approaching completion, with repayment expected from the sale of the completed sections — a solid development profit rather than a mortgagee sale.
Residential acquisition and renovation
$1.4m | 70% LVR | 12 months | AucklandHudson funded an acquisition and renovation strategy using existing residential security, with a later top-up assessed and advanced promptly to complete the works.
View case study →
The full facility was advanced upfront on competitive terms, and the top-up to complete the renovation was assessed and advanced within approximately three working days. The renovated property is expected to be listed for sale, with repayment from the sale proceeds.
Complex acquisition and completion
$680k | 50% LVR | 12 months | Mangawhai and DargavilleHudson structured a transaction involving vacant land, several parties and mounting enforcement costs, while keeping the introducing broker closely involved.
View case study →
Interest was capitalised for the first six months, and Hudson negotiated directly with the previous lender to reduce costs and coordinate the other parties. The primary exit is the completion and sale of four subdivided sections — an orderly sales process rather than a mortgagee sale.
Case studies are anonymised examples only. Previous transactions do not guarantee approval, funding, pricing or timing for another transaction.
Your client relationship remains yours
We work with brokers, not around them.
Hudson values the brokers and professional advisers who introduce transactions to us. We work collaboratively with the introducing adviser, keep them informed during assessment and respect their relationship with the borrower. We do not seek to bypass the broker or remove them from the client relationship.
Where a loan is renewed, Hudson will generally continue to involve the introducing broker where that is the broker’s preference, helping them remain connected with the borrower and transaction throughout the loan.
Build a relationship with Hudson- Broker included in material communication
- Direct access to the Hudson team
- Clear feedback on deal fit
- No unnecessary borrower hand-off
- Continued involvement at renewal where requested
Get a direct, commercial view from Hudson.
Send the essential details and we will tell you quickly whether the transaction appears worth progressing.
Tom Robinson
Finance Account Manager
021 189 1003tom@hudsonfinance.co.nzTaylor Newdick
Finance Account Manager
021 248 1117taylor@hudsonfinance.co.nzLending is subject to Hudson Limited’s credit assessment, satisfactory due diligence, acceptable valuation and security, legal documentation, satisfaction of all 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.