Funding Solutions
Finance to Complete Your Subdivision and Get Title
When resource consent is granted and it's the remaining costs standing between you and title
Your subdivision has resource consent, the hard part's already done, and what's left is the remaining cost to get to title. Flexy releases the equity you already hold in the property to cover that shortfall, secured behind your existing bank mortgage, so the project doesn't stall on the last stretch.
Up to $150,000
Offers within 24 hours
How Flexy helps
We lend against the equity in the property your company or trust already holds, without disturbing your existing bank mortgage. Because resource consent is already granted, the remaining work and cost to title is usually well defined, and that's what we assess the loan against.
Your exit is usually the clearest part of the application: once title is issued, the property is sold, refinanced, or the equity released covers the balance.
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Which Flexy loan is right for you?
Both loans release the equity in your property. The difference is how you repay. Pick the one that matches your cash flow and your exit.
Product
2-Year P&I Equity Release
Borrow up to $50,000 against your property equity and repay it steadily through regular principal and interest payments over up to 24 months. Your balance reduces with every repayment and your bank loan stays in place.
Eligibility criteria: You will need sufficient cash flow to support regular repayments to qualify.
Term: Up to 24 months
Repayments: Principal and interest
Principal: Repaid progressively
Product
Short-Term Equity Release
Borrow up to $150,000 against your property equity for 3 to 12 months, with interest-only repayments and the principal repaid as a lump sum at the end. Your bank loan stays in place, no refinancing required.
Eligibility criteria: You will need a suitable lump-sum repayment plan is required to qualify
Term: 3-12 months
Repayments: Interest only
Principal: Repaid at end of term
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Why it worked: The remaining costs to get from consent to title
The situation
A subdivision already had resource consent granted, and the project needed the remaining costs covered to reach title.
What we did
We funded $107,000 against the equity in the property, secured behind the existing bank mortgage, to cover the costs remaining to reach title.
The outcome
Title was issued, and the loan was repaid from there, as planned from the outset.
How Flexy lending works
01
Apply online in minutes
Provide your property address, the amount you need, the purpose of the funds and your repayment plan.
02
Fast assessment
Flexy reviews your available equity, LVR and ability to service the loan. Once we have a complete application, we aim to issue a loan offer within 24 hours.
03
Receive your funds
Accept the offer, complete the remaining requirements through your online portal, and Flexy arranges settlement. Caveat loans can fund within days. Repeat clients can be funded same day.
Related purposes
Read about the other purposes Flexy can fund, and find the right option for your situation. Flexy offers two pathways, depending on your exit strategy: a short-term loan with a lump-sum repayment, or a 2-year option you repay gradually as you go.
Instant estimate
How much can I borrow?
See what your property equity could unlock. Enter a few details for a free, instant estimate, with no obligation and no effect on your existing bank mortgage. It takes about a minute.
Flexy is a direct lender, so you deal with the decision-makers directly. Your existing bank loan stays in place, no refinancing required. No tax returns or profit and loss statements to gather, and loan offers are issued within 24 hours of a complete application.
Frequently asked questions
Do I need resource consent already granted to apply?
What if my bank has already funded part of the subdivision?
How is this loan repaid?
Does my bank need to know about this loan?
What happens if title takes longer than expected?
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.
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Is this your situation?
Resource consent is already granted and the subdivision is underway
There's a known, remaining cost to get to title, and you can point to the figure
Your bank has already funded the earlier stages but won't extend further
You plan to repay from a sale, a refinance, or the equity released once title issued
You'd rather not renegotiate your existing bank mortgage to get there
If any of these sound familiar, we can usually give you an answer within 24 hours.
What situations we help with
