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About Flexy
Built by someone who has been on your side of the deal
Flexy started because property deals shouldn't stall waiting on a bank.
Our founder, Callum McKenzie, began as a property trader and scaled quickly, buying and selling more than fifty properties in two years. He moved at that pace by using private capital that most investors never get access to. That experience made something obvious: the market needed a lender run by someone who had actually done the deals, not just assessed them.
Today Flexy lends to New Zealand companies and trusts against the equity in their property, up to $150,000, without touching the existing bank mortgage. We look at the asset, the exit and the timeline, then give you an answer in hours rather than weeks.
How we work
We stay deliberately small. Callum leads lending, Sian manages deals through to settlement, and Aprilyn keeps operations running. AML checks are handled by AMLHUB, loan documentation and settlements by Armstrong Murray Solicitors.
Our broker network and partner lenders send us the deals that don't fit a bank's template, and our trading clients come back to us for the next purchase.
Growth isn't the goal. Every deal needs a clear, time-bound exit: a sale, a refinance, or confirmed incoming funds. LVR is capped at 80 per cent combined. Security is properly documented. We would rather decline a marginal deal than write it.
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Meet the team
Callum McKenzie
Director
Bachelor of Business Studies, double major in Finance and Marketing. Property trader before founding Flexy, with more than fifty transactions behind him.
Aprilyn Macapagal
Operations and Client Support
Keeps applications, settlements and client communication moving behind the scenes.
Legal partners: Armstrong Murray Solicitors
AML compliance: AMLHUB
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Where we're heading
Flexy will stay boutique. Our own online system handles every stage from application through to discharge, which is what lets a small team move quickly. As we grow, that's the part we'll keep investing in.
Prefer to talk it through?
Call 021 294 8742 or email hello@flexy.co.nz
Lending is subject to approval. Loans are available to New Zealand companies and trusts for business or investment purposes only. Interest rates, fees and lending criteria may change without notice. Flexy Limited, FSP1006845. Terms and conditions apply.
What situations we help with
