Funding Solutions
Short-Term Equity Release: Borrow against your property equity without refinancing
Flexy's Short-Term Equity Release lends New Zealand companies and trusts up to $150,000 against the equity in their property, for terms of 3 to 12 months, secured by a second mortgage or caveat. Your existing bank mortgage stays exactly where it is. There is no refinancing, no bank negotiation and no waiting.
Free instant estimate • No obligation
Product
Short-Term Equity Release at a glance
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
Loan Amount
Up to $150,000
Loan term
3-12 months
Repayments
Interest-only monthly repayments
Principa
Repaid at the end of the loan term
Maximum LVR
Up to 80% combined across your existing mortgage and your Flexy loan
Security
Second mortgage or caveat over your property
Existing mortgage
Remains in place, no refinancing required
Application turnaround
Loan offers issued within 24 hours of a complete application
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.
How it's calculated
80% of your property value, minus what you already owe.
For example
A property worth $900,000 with a $560,000 mortgage has $160,000 of available equity.
Who is this loan for?
Flexy's Short-Term Equity Release is built for companies and trusts that need capital quickly and have a clear way to repay it. Assessment focuses on your property equity and your repayment plan, not your income.
01
Property Investors
Funding renovations, deposit releases, settlement shortfalls, or bridging between buying and selling.
02
Small Business Owners
Purchasing equipment, expanding operations, or funding business growth.
03
Property Traders
Moving quickly on new property opportunities without waiting for existing projects to settle.
04
Businesses with IRD or tax arrears
Using available property equity to clear outstanding IRD obligations in full.
05
Business and Investors
Taking advantage of time-sensitive investment or acquisition opportunities.
05
Businesses refinancing short-term debt
Replacing expensive short-term lending with a simpler funding solution that reduces repayment pressure.
Recent client examples
Early childhood education providers
Managed cash flow between ECE funding payments and cleared historic IRD debt.
Dairy and convenience store owners
Renovated premises, improved street appeal, purchased stock, and cleared overdue supplier invoices.
Experienced property investors
Used available equity to keep multiple renovation projects moving instead of delaying their next development.
Takeaway food operators
Funded kitchen fit-outs, equipment purchases, and new store openings.
Event and catering businesses
Covered venue costs, catering expenses, and other event commitments when fast funding was critical.
How Flexy secures the loan: Second mortgage or caveat
Flexy secures its lending in one of two ways, depending on the loan structure.
A second mortgage is a loan registered against a property that already has a mortgage on it. It ranks behind your bank's first mortgage and draws on the equity you have built. Your bank loan is untouched.
A caveat is a notice registered against the property title that prevents dealings with the property without Flexy's consent. Caveat-secured loans are typically faster to settle and, in most cases, your bank is not involved in the process at all.
Flexy will confirm which structure applies to your loan before you accept the offer. Depending on the structure, a solicitor may be required to complete settlement.
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How our 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.
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Who can apply
This product is available to New Zealand companies and trusts borrowing for business or investment purposes. It is not available for personal or consumer lending.
Flexy is generally looking for applicants with:
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Genuine equity in a New Zealand property
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A clear purpose for the funds
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A realistic repayment strategy supported by evidence, such as a property sale, a confirmed refinance, or confirmed incoming funds
This product may not be suitable if:
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Your first mortgage is in arrears
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Your repayment plan relies on an unsupported refinance
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The lending required exceeds the maximum combined LVR of 80 per cent
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
Frequently asked questions
A second mortgage is a loan secured against a property that already has a mortgage on it. It ranks behind your bank's first mortgage and uses the equity you have built up. Your existing bank loan stays in place, unchanged.
Up to $150,000, subject to a combined LVR of 80 per cent across all lending on the property. Calculate it as property value × 80%, minus your existing mortgage balance.
No. Flexy sits behind your bank and does not alter your existing loan. Where the security is a caveat, most banks are not involved in the process at all.
Yes. Clearing IRD arrears is one of the most common uses for this loan. All IRD obligations must be cleared in full with the loan. What matters is your equity and a credible plan to repay Flexy.
For most applications, no. Lending decisions are based on your equity and your repayment plan. Income evidence is requested only where repayment relies primarily on future cash flow, such as a refinance or trading income.
A registered second mortgage is a formal security interest recorded against the title. A caveat is a notice preventing dealings with the property without the lender's consent. Caveat loans are usually faster to settle and often do not require your bank's involvement.
Loan offers are issued within 24 hours of a complete application. Caveat loans can fund within days. Repeat clients can be funded same day.
Yes. Discuss your timing at application and Flexy will structure the term to suit.
New Zealand companies and trusts borrowing for business or investment purposes, with genuine property equity and a clear, evidenced repayment strategy.
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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