Rating based on 13 reviews

Advantage Finance

Updated

  • Home loans up to $3,000,000
  • Low-interest starting from 9.75%
  • Repayment up to 34 months

In-page navigation


Advantage Finance homepage

Author Advantage Finance. Screenshot of Advantage Finance website. [Accessed April 17, 2018]

About Advantage Finance

We have been actively providing property finance countrywide since 1994, we are based in Christchurch.

Advantage Finance is a family owned and operated finance company; we pride ourselves on providing an efficient, friendly, fast and no fuss service plus we approve and advance our home loans as fast as possible.

We are a registered financial service providing solutions to New Zealanders. We look forward to assisting you with all your loan requirements.

Why you should choose Advantage Finance

We have a wide range of competitive interest rates that are fair plus we won’t penalise you should you decide to settle your loan earlier than agreed.

New Zealand bridging mortgages property finance

We specialise and focus on providing short-term loans which are used bridging mortgages between one and twenty-four months and property finance.

Normally our repayments come from refinancing or sale of property we are able to assist in situations where other finance companies and banks are not able to assist.

We offer a quick online loan application that is quick and you’ll be delighted to know that Advantage Finance does not penalise you should you decide to settle your loan earlier!

Advantage Finance Services

We have been in the business for over a decade and we pride ourselves in assisting people and businesses to obtain secured short-term financing.

We try and make it as easy as possible for the reason that we value our customers and aim to assist them in the fastest possible time frame. We believe that our online application should be no stress and no fuss process. Our personal and business loans are impeccable for business owners, property developers, and homeowners who want a flexible solution that is not offered by credit unions and banks.

Affordable rates – flexible loans

We offer loans while you are waiting for the sale of your property or home to go through – Our personal loan amounts are between $25 000 and $3 million offering flexible loan repayment terms as well as reasonable and inexpensive rates.

Advantage Finance offers a 100% online home loan solution which means you don’t need to take time to come and see us. Due to our moderately smaller size, we can attend to your application quicker and more responsively than our store-front competitors. You’ll be surprised with the services we have to offer to individuals as well as businesses short-term property finance.

Advantage Finance secured Loans are perfect for you

We offer loan terms that range between one and twenty-four months, this is a perfect tern that will allow you to sell your business premises, home, property or renovate. Advantage Finance will offer you a short-term loan that is generally secured against your property, home, or business of up to 80 per cent of its LVR

Advantage Finance Product Details

  • Loan Type Home loans
  • Interest Rate 9.75 – 11.95% p/a
  • Loan Amount up to $3,000,000
  • Repayment 30 days to 34 months

Summary of Services

  • Interest rates are affordable
  • Repayment terms are flexible
  • Apply online

Advantage Finance - Choose your repayment terms

Normally we have a preference to work with properties that have a loan to value of about 80 per cent or less, however, we are flexible and will be prepared to accommodate unique circumstances.

You may decide on three repayment options

  • Firstly; this is an interest-only repayment where the interest is paid for a period of twenty-four months before you pay back the capital on one lump sum.
  • Secondly; repay the capital and interest in a single lump sum and have no repayments during the home loan term.
  • Thirdly; you could pay the installments which would include the interest and capital.

Advantage Finance helps businesses grow one loan at a time and we offer efficiency and promptness.

It’s easy to apply for a quick loan, bridging finance or a mortgage finance loan from Advantage Finance, we have streamlined our online application that only takes a few minutes to complete from just about anywhere be it your office or the comfort of your own home.

We are heads above our biggest competitors as far as turnaround time goes, we are able to provide you with an answer in a couple of hours.

Speedy loans

In terms of turnaround time, Advantage Finance is worlds above our biggest competitors - we can provide you with a basic decision within hours and we do this even before we've collected all of the information and paperwork that’s necessary to complete the application, our clients appreciate our efficiency and speed because they know that time is money.

This is what you can expect after you’ve completed your online loan application. Once your online application has been received and all the required details are provided we will then need to verify ownership. Check your identity and run a credit check, we normally process your application and make the funds available as soon as all the boxes have been ticked and all necessary checks have been received and the property evaluation has been accepted.

In the course of the application process, we request clients to stay in contact should they want an update, although we will endeavor to keep you updated through the process on the progress of your loan on a daily basis!

Our property finance application process has been designed to save you time and allows you to gain access to the funds you need. You’re welcome to visit our website or simply give us a call we are ready to assist you!

Customer Reviews & Testimonials

Being able to make extra payments on my home loan without penalty is very convenient for me. Thank you!

Peter R
— Christchurch —

They work very quickly, so that’s good news if you’re like me and like to get things done as soon as possible.

Lucas C
— Hastings —

The staff has a positive attitude and off-course are very friendly.

Annie C
— Nelson —

Advantage Finance Contact Details

Physical Address


Postal Address

  • PO Box 36623, Merivale, 8146, New Zealand

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday Closed –
  • Sunday Closed –