Bridging Finance

Crester helps Kiwis with short term bridging loans that range from $5000 to $2,000,000 NZD. When we provide you with bridging finance, we’ll be providing a shortfall solution and paying your investment debts now with the understanding you know you’ll have the money available soon for repayment.


A good example of bridging finance might be short term help with settling on a new home and getting a mortgage, while your old house is waiting to be sold. Another example is to provide bridging finance for a new build while it’s under construction while you remain in your existing home. Our bridging loans are designed with a payment plan term with a duration between one to twelve months, and customised to make the repayments as manageable as possible for you.


Stress-free & fast

If you need bridging finance, the market situation can be stressful & under time pressure. You’ll get fast results from Crester, guaranteed.


Cash in 24 hours

We can loan between $5000 and %5 million when helping Kiwi’s with a bridging loan. Once approved, we can deposit cash into your account within just 24 hours.


Bridging Loan rates

Our rates are as low as just 12% per annum, depending on the size of your loan.




Bridging Finance Loan Calculator

Use our New Zealand online loan calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, and we then spread the remainder across 48 months.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
Apply now
  • Your data is secure
  • Trusted by
  • Our customer rating
    Google-logo 4.6/5
* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Use Bridging Finance For

  • Home mortgage repayments to get you through while selling your current property.
  • Buying “As is Where is” properties, fixing and reinsuring them.
  • Property development. If you know you’ll make a profit by developing; we can bridge the cost until sold.
  • Renovations and flipping.
  • Making a deposit on a new home when building off the plan.
  • Both residential and commercial property investments.
  • Investors often bridge funds to make cash offers, while waiting for bank finance to be approved on an investment property.
  • Buy a new car while waiting to sell your existing one.

All in all, if you’re short of funds, but you know that it’s only temporary, then Crester can help out. Connect with us, explain your situation and before you know it, we could be your finance partner that allows you to make decisions faster.

Did You Know?

easy renovations
Bridging House Deposits

A common question is, “What is the fastest way to save for a house deposit?” – The answer is that you don’t need to save the entire deposit for a home loan. A bridging loan can help you get there much quicker. With moving house prices rising and interest rates low, there’s no better time to jump onto the property ladder, assuming you can afford it.

Other Peoples Money

Bridging loans are very common in New Zealand, and property investors use them all the time. One of the secrets to investing is “using other people’s money”, assuming you’ve made all calculations that you’ll make a profit and be able to pay back the loan with ease, even if things go a little wrong. They do this so they can access funds and buy more properties faster than they could on their own.

Low Interest Rates

Crester consistently has cheaper interest rates than many of our competitors. Factor the interest rate into your projections when asking for a bridging loan and ensure you factor that your project might take longer than planned. Use our loan calculator to get an indicative understanding of your repayments, although if it’s a big loan you’re looking for, we may give you a lower interest rate.

Bridging As is Where is Houses

In Christchurch specifically, bridging is used a lot to buy distressed or earthquake damaged housing that has been deemed as “As is Where is” and can’t be insured. People are buying the house, renovating it and bringing it up to standard structurally so it can be reinsured. Often people don’t have the funds to do this, so they get topped up with a bridging loan from Crester.

Handy Tips

  • When using bridging finance, be sure to calculate that you’ll need the money longer than what you anticipate. Calculate the worst-case scenario.
  • Note that any lender that offers bridge funding will use the asset you have, such as a property, as the security of the deal. If things go wrong, the lender will have rights to the property to get their money back and could force a sale; all the more reason to do your calculations thoroughly.
  • Assume surprise costs if renovating a property, and as a result, additional delays. A 15% contingency factor is a good place to start.
    If you’re using Crester’s bridging loan services for buying a new property before you sell your existing property, then ask the real estate agent for a delayed settlement so your borrowing the money for a lesser period.
  • Short term financing solutions such as bridging is always tempting but make sure you get the right finance partner and read the fine print. At Crester, we are completely transparent on fees, interest rates and additional charges for defaulting or late repayments.
  • If you’re buying your dream home, it might be crossing your mind as to when the best time to sell your property is. For example, listing your home in the middle of winter could cost you serious cash, whereas spring might be better. Think about briding finance and the timing of your sale, so you get maximum results.


Calculating time

Our business loan NZ application form is your instant finance solution

Questions? Connect with a friendly member of our lending team.

jeanette-crester-finance-employee Jeanette
finance-staff-karen Karen
finance-staff-jo Jo
finance-staff-skye Skye
finance-staff-peter Peter
finance-staff-laura Laura

We respond to requests immediately, so we’ll get back to you super-fast to discuss your request. In the meantime, please review our answers to common questions and information about terms and conditions, establishment fees, annual interest rates, early settlement options, responsible lending, the application process, or anything else you’d like information about, including our other financial services. We’re here to help.

icon FAQ