DBR - Loan Matcher
DBR
Contact: Laura
Phone: 021 605 794
Email: laura@dbr.nz
Notes: DBR is a short-term bridging lender focused on speed, certainty, and flexibility. Best suited for urgent settlements, refinancing gaps, and development pressure cases. Non-construction
Pricing Decision Tree
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Borrower Classification
How the lender classifies/segments borrowers into tiers or suites
- Rule 1: Urgent settlements, refinancing gaps, and development pressure cases -> Timing deals
- Rule 2: Developers under pressure -> Development pressure
- Rule 3: High-risk oversupply projects -> Market risk
- Rule 4: Rate-sensitive clients -> Pricing-driven clients
| Tier | Criteria | Base Rates |
|---|---|---|
| Timing deals | Urgent settlements, refinancing gaps, and development pressure cases | |
| Development pressure | Developers under pressure | |
| Market risk | High-risk oversupply projects | |
| Pricing-driven clients | Rate-sensitive clients |
LVR Adjustments
| LVR Range | Premium | Notes |
|---|---|---|
| Without CCC/Title | Lower LVR required | Typically 60–70% or lower |
Special Flows
Bridging finance
Urgent settlements, refinancing gaps, development pressure
Rate: 4.58% - 7.98% Max LVR: 75%
Urgent settlements, refinancing gaps, development pressure
Rate: 4.58% - 7.98% Max LVR: 75%
Warnings
Clawback period: Not specified
Focus on exit strategy over CCC
High-risk oversupply projects require caution
Fees
- DBR Fee: 2%
- Legal fees: approx. $2,000 (client pays)
- Broker fee: negotiable
- Early repayment fee: 30 days interest if no 30 days notice
Products
Add Product
DBR Short-Term Bridging Loan
🌉 Bridging
🔒 Private
Loan Parameters
| Amount Range | $500,000 - $6,000,000 |
| Max LVR | 75.0% |
| Term | 3 ~ 12 months |
| Interest Rate | 4.58% - 7.98% |
| Payment Types | capitalised |
| Turnaround | - |
Eligibility Criteria
| Min Credit Score | - |
| Min Trading | - |
| Min Turnover | - |
| Property ownership | Required |
| Security Types | residential, commercial, vacant_land, mixed_use, non_standard |
Security-LVR Rules
| Type | Max LVR | Notes |
|---|---|---|
| Residential | 75.0% | With CCC + Title |
| Residential | 60.0% | Without CCC/Title, typically 60–70% or lower |
Payment-Term Rules
| Type | Min | Max |
|---|---|---|
| Capitalised | 3mo | 12mo |
Fees & Charges
| Establishment Fee | 2.0% |
| Documentation Fee | $2,000 |
| Monthly Fee | - |
| Line Fee | - |
Legal fees approx. $2000- $3000 (client pays), Broker fee negotiable
Additional Details
| Documents |
SOP
Dairy Note
|
Capitalised interest allowed (must stay within LVR). Early repayment: No fee if 30 days notice, otherwise 30 days interest charged. Extensions possible but reassessed with new fees.
3 months 4.58%
4 months 4.98%
5 months 5.58%
6 months 5.98%
9 months 7.28%
12 months 7.98%
DBR -promotion - ending 31/03/2026
🌉 Bridging
Non-bank
Loan Parameters
| Amount Range | $1,000,000 - $6,000,000 |
| Max LVR | 75.0% |
| Term | 3 ~ 12 months |
| Interest Rate | 4.58% - 7.98% |
| Payment Types | interest only |
| Turnaround | - |
Eligibility Criteria
| Min Credit Score | - |
| Min Trading | - |
| Min Turnover | - |
| Property ownership | Not required |
| Security Types | residential, commercial, and bare land |
Security-LVR Rules
| Type | Max LVR | Notes |
|---|---|---|
| Bare Land | 60% | |
| Commercial | 60% |
Fees & Charges
| Establishment Fee | 2.0% |
| Documentation Fee | - |
| Monthly Fee | - |
| Line Fee | - |
Additional Details
addtional cash back- 0.1%
note: draw down before 31/03/2026
Relationship Maintenance
| Meeting Date | Summary | Next Contact | Status | |
|---|---|---|---|---|
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