Rating based on 34 reviews

Advantage Finance

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

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Author Advantage Finance. Screenshot of Advantage Finance website.
[Accessed March 7, 2023]

About Advantage Finance

Advantage Finance is a Kiwi owned and operated financial services provider that have been in the business for over a decade.

We take pride in assisting individuals and businesses obtain secured short term loan when banks and other traditional lenders simply can't and won't.

We make it easy for you

We value our clients and strive to assist them in the fastest time frames possible - we believe in a no-fuss, no-stress online loan application. Our loans are perfect for homeowners, business owners and property developers who want a flexible solution that banks and credit unions simply cannot offer.

Flexible loans at affordable rates

When you need a loan pending the sale of your home or property - Advantage Finance can offer you a personal loan of between $25,000 and $3 million with flexible loan repayment terms and very fair and affordable rates.

Due to our comparatively smaller size, we are able to attend to the application faster and more attentively than our store-front competitors. With Advantage Finance you can apply for a home loan online without having to worry about coming in to see us. 

Advantage Finance Services

We offer individuals and businesses short term property finance between $25,000 and $3 million.

Our loan terms range between 1 and 24 months - a perfect online loan term to allow you to sell your home or business premises or refurbish. Put simply we will offer you a short term loan that is secured against your home or business premises on up to 80% of its Loan to Value ratio. 

Three flexible repayment options

We generally prefer to work with properties with a Loan to Value ratio (LTV) of 80% or less but are flexible and can accommodate unique situations and circumstances.

You can choose from three repayment options; the first being an interest-only repayment where you pay the interest on the loan for 24 months before repaying the capital in one lump sum and, the second is where you pay the capital and interest in one lump sum with no payments during the home loan term.

The third is where you pay instalments that include the interest and capital. 

Advantage Finance – Home loan

  • Loan Type Home loans
  • Interest Rate 9.7511.95% p/a
  • Loan Amount up to $3,000,000
  • Repayment 30 days to 34 months

Benefits of Advantage Finance

  • Flexible repayment options
  • Home loans and bridging finance options
  • Affordable loan rates

Applying for a home loan at Advantage Finance, its easy and convenient

Before applying for a loan we suggest that you visit our website and familiarize yourself with our offerings and rates. For individuals we offer bridging, short term and interest-only mortgage as well as mortgage sale refinance and "as is, where is" mortgages.

Our rates for are between 9.95% and 11.95% per annum and we charge an application fee of $400 and $15 admin fees per month which is included in your repayments.

Helping businesses grow - one loan at a time

For businesses, we offer bridging finance, short term finance and, development, construction and joint venture funding. Our rates for business loans range between 9.75 and 11.95% per annum with an application fee that ranges from 0.5% of the loan value to 2%. We also charge a $35 admin fee per month.

Efficiency and speedy home loans

Applying for bridging finance or mortgage from Advantage Finance is easy - we have designed an online application that can be completed in a matter of minutes from just about anywhere. If you'd like more information before applying for a loan you can complete our contact or "easy application" form and one of our agents will contact you to discuss your needs and intentions.

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

What you can expect after applying for a loan

Once we have collected all the details that we need we will need to verify ownership, identity and run a credit check however, we will generally process an application and release funds as soon as we have done the necessary checks and have received an acceptable property evaluation.

During the application process we invite customers to stay in contact with us or contact us should they want an update but, we will endeavor to keep you updated on new developments and progress on your loan on a daily basis.

Advantage Finance's home loan application process is designed to save you time and allow you to gain access to the credit you need in a fraction of the time that a store-front lender would be able to provide. To being your application simply visit our website or call us - we're ready to assist!

Customer Reviews & Testimonials

No back and forth phone calls, or dragged out cues. Advantage Finance's website makes life easier.

Kim D
— Auckland —

No complaints. Satisfied customer.

Tyron B
— Masterton —

Advantage Finance Contact

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