Pursue Your Property Ambitions with Specialised Property Financing

Your property ambitions don’t have to be limited by the lending available to you from traditional providers. We support credit-worthy borrowers who for various reasons can’t find the support they need from banks or other lenders.

 

We partner with you to determine the best, and most flexible, financing solution for your commercial, industrial or development properties throughout New Zealand. Our decades of experience mean we analyse and understand transactions swiftly, so you can move with confidence on opportunities in front of you.

You benefit from competitive interest rates, flexible loan terms and expedited approvals.

Lending Criteria

  • First mortgage lending

  • Well positioned commercial, industrial and development property

  • Consented or unconsented land

  • Up to $10 Million

  • No retail consumer lending

  • Up to 18 months

We work with brokers, accountants and solicitors, and have strong, established ties with industry professionals.

Working in partnership, we can assist with complex non-bank finance solutions and offers, and help you to swiftly present opportunities to your clients that they otherwise may not have had access to.

Case Studies

  • Rangitoopuni, Riverhead - Equity Release

    Funding was provided for this Joint Venture between local iwi and a developer on a large land parcel with Countryside Living zoning. The funding package enabled a release of equity to cover expenditures and further development costs on the land over 18 months, allowing time to secure necessary consents. This project was subsequently selected under the Fast-Track Approvals Bill.

  • Hamilton - Residual Stocks

    Hamilton - Residual Stocks

    Silver Harbour provided the client with a 12-month loan, including capitalised interest, to enable the 21 completed terraced houses to be refinanced from the construction bank.

    The funding included an equity release which allowed for a Resource Consent application for another project thereby helping the client achieve their property goals.

  • Kaikoura

    Kaikoura Business Park - Land Rezoning

    The land on the outskirts of Kaikoura was rezoned from farming to Commercial/Light Industrial for the purpose of creating a Business Park following the completion of the first stage of development, which involved a 20-lot residential lifestyle subdivision. The client sought to refinance the existing lender and fund costs for the rezoning process and future subdivision expenses.

  • Papakura - Commercial Property

    Papakura - Commercial Property

    This is a single-level commercial building with eight separate retail/office tenancies, offering a variety of layouts and presentations. A 12-month loan was approved for the client to obtain Resource Consent for development, which will include over 50 residential units and 6 commercial units.

Credit Committee

  • Credit Committee Chair

    B. Com , CA , INFINZ

    Gerard was appointed CEO in March 2024 and is a Chartered Accountant and a member of the Institute of Finance Professionals NZ. He has had a long and varied finance career, commencing with the Bank of New Zealand, Investment Banking and then over 20 years with HSBC initially setting up its Investment Banking unit in NZ and arranging both syndicated and debt capital funding for the top corporate and institutional clients in NZ. He has experience in arranging a number of property finance transactions from high-rise apartments and offices, land sub-divisions and investment portfolios. Following that he became the Treasurer and Head of Global Markets, responsible for HSBC NZ’s balance sheet funding and treasury sales. After HSBC he was appointed CEO of a Cook Islands-based private bank, responsible for its strategic development and record growth. Gerard’s experience across finance and leadership roles brings great knowledge to Silver Harbour Capital.

  • PHD, CPA, CA, CFP, CLU

    Dr. Su is the Chairman of Silver Harbour Capital. He owns and manages the successful investment advisory firm SRRS Financial Services, a New Zealand-owned financial services company established in 2004. SRRS provides comprehensive financial services for clients including investment, accounting and insurance services.

    A Certified Practising Accountant and Chartered Accountant, Dr. Su holds numerous finance and accounting qualifications. He was a lecturer of accounting and finance at Auckland University of Technology from 2009 -2019 and was the only Chinese financial advisor of ANZ National Banking Group from 2006-2010.

  • Master of Engineering

    Cindy has amassed several years of experience in corporate management and operations. Early on in her career, she held various senior engineer and senior managerial positions in a global Fortune 500 company and later proceeded to establish an industrial automation technology company.

    She has invested in and managed a multitude of construction and development projects in New Zealand, further extending her expertise to asset management, project development and management.

    Cindy is the owner of several hotel chains in New Zealand, including New Zealand's most traditional Victorian-styled boutique hotel. She has also successfully pioneered a unique hotel management brand and company to manage various scales of hotel businesses in a streamlined and systematically proven method.

    Her foresight and experience in the wealth management of commercial real estate and technology investments have also proven invaluable to investors.

    Having operated a highly successful financial company for several years, she has garnered a comprehensive understanding of financial investments and compliance management.

  • AFA

    Stephen is the CEO and Principal of Foundry Asset Management Limited, which he established in May of 2009 following twenty-five years of experience in the financial services industry.

    Stephen brings management and advising experience gained with some of New Zealand’s most successful fund and wealth management companies. This included one of New Zealand’s largest wealth management firms with an excess of NZ$1.2 billion under management.

  • LLB

    Don is the Director and Principal of Wai-Poi Financial Services Limited. Don holds an LLB from the University of Auckland and was admitted to the bar in 1968.

    Based in Auckland, Don has over 40 years of commercial and residential funding experience and has operated his own mortgage adviser business since 1990. Before then he was a solicitor with firms in Manurewa and Takapuna, a lending manager with an Auckland-based merchant bank, as well as a legal and financial consultant for a group of private companies involving property acquisitions, business financing, special projects including submissions to government and ministers of the Crown, and union and contract negotiations over a 13 year period. From 1985 he was a mortgage broker with a boutique financier specialising in offshore loans.

Request an Application

Fill out the form below to work with a lending manager to determine the best, and most flexible, financing solution for your commercial, industrial or development properties.

What we will need from you:

Proposal

A funding proposal, outlining the funding required, purpose, term, borrower and guarantor details and the security property for the loan.

Registered Valuation

Registered valuation for the property.

Statement

A signed and dated statement of position of the guarantor.

Application

A completed application. Please complete the above form for the application.