Basecorp Finance

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Contact: Craig Rolls (021 466 004)

Phone: 07 839 2999

Email: applications@basecorp.co.nz

Notes: Basecorp Finance is a Hamilton based and 100% New Zealand owned non-bank lender offering flexible short and long-term mortgage solutions across residential, commercial, and vacant land properties. They are known for fast turnaround times and flexible credit assessments. Not a construction lender (can fund land or completed properties only)

Pricing Decision Tree

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Borrower Classification

How the lender classifies/segments borrowers into tiers or suites

  • Rule 1: Bank declines or policy constraints (DTI, servicing, credit issues) -> Suitable for Basecorp
  • Rule 2: Self-employed or alternative income verification (GST returns, bank statements, accountant letters) -> Suitable for Basecorp
  • Rule 3: Credit-impaired borrowers (defaults, discharged bankruptcy) -> Suitable for Basecorp
  • Rule 4: Bridging finance (3–6 months) -> Suitable for Basecorp
  • Rule 5: Land banking and vacant land -> Suitable for Basecorp
  • Rule 6: Urgent settlements requiring quick turnaround -> Suitable for Basecorp
TierCriteriaBase Rates
Residential Long-term Owner-occupied properties Owner Occupier Full Doc: 6.35%
Investor Full Doc: 6.6%
Short-term Loans up to 12 months Owner Occupier Full Doc: 7.3%
Commercial / Land Commercial properties and vacant land Investor Full Doc: 7.65%
LVR Adjustments
LVR RangePremiumNotes
70% for short-termNoneCan go above 70% depending on GST situation
Special Flows
Tradie Renovation
Tradies looking to renovate and sell Max LVR: 70% (can be higher if GST is claimable)
Warnings
No construction lending (only land or completed properties)
No true 'no-doc' lending (some level of verification required)
Fees
  • Establishment fee: $995 for regulated consumer and owner-occupied loans
  • 1-1.5% fees for residential property
  • 1.5-2% for commercial property and vacant land
  • No upfront application fees, no documentation fees, no legal fees
Updated: 2026-03-16

Products

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Residential Property Mortgage (Short-term) 🌉 Bridging Non-bank
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Loan Parameters
Amount Range $0 - $7,500,000
Max LVR 70.0%
Term 1 ~ 12 months
Interest Rate 7.3% - -%
Payment Types capitalised, interest_only
Turnaround 24h (1d)
Eligibility Criteria
Min Credit Score -
Min Trading -
Min Turnover -
Property ownership Required
Security Types residential
Payment-Term Rules
TypeMinMax
Capitalised - 12mo
Interest Only - 60mo
Fees & Charges
Establishment Fee -
Documentation Fee -
Monthly Fee -
Line Fee -
$995 (regulated), Deal-by-deal (non-regulated)
Additional Details
Credit History Our credit policy remains broad based and flexible to assist all categories of borrowers, income scenarios (irregular, offshore, self-employed etc), and borrower circumstances. Keep us in mind for those harder or more difficult deals.
Security First mortgage over residential property
A maximum size of $2.5m per security and up to $7.5m per borrower applies across all product categories. Interest only periods can be a maximum of 5 years, with capitalised interest available for a maximum term of 12 months.
Residential Property Mortgage (Long-term) 🏠 Residential Non-bank
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Loan Parameters
Amount Range $0 - $7,500,000
Max LVR 80.0%
Term 300 ~ 360 months
Interest Rate 6.35% - 6.6%
Payment Types interest_only, principal_and_interest
Turnaround 24h (1d)
Eligibility Criteria
Min Credit Score -
Min Trading -
Min Turnover -
Property ownership Required
Security Types residential
Security-LVR Rules
TypeMax LVRNotes
Residential 80% owner occupier
Residential 75% investment
Payment-Term Rules
TypeMinMax
Principal And Interest - 360mo
Interest Only - 60mo
Fees & Charges
Establishment Fee -
Documentation Fee -
Monthly Fee -
Line Fee -
$995 (regulated), deal-by-deal (non-regulated).
Additional Details
Credit History Our credit policy remains broad based and flexible to assist all categories of borrowers, income scenarios (irregular, offshore, self-employed etc), and borrower circumstances. Keep us in mind for those harder or more difficult deals
Security First mortgage over residential property
Interest only periods can be a maximum of 5 years. A maximum size of $2.5m per security and up to $7.5m per borrower applies across all product categories.
Commercial Property Mortgage 🏢 Commercial Non-bank
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Loan Parameters
Amount Range $0 - $7,500,000
Max LVR 60.0%
Term - ~ 240 months
Interest Rate 7.65% - -%
Payment Types capitalised, interest_only, principal_and_interest
Turnaround 24h (1d)
Eligibility Criteria
Min Credit Score -
Min Trading -
Min Turnover -
Property ownership Required
Security Types commercial
Fees & Charges
Establishment Fee -
Documentation Fee -
Monthly Fee -
Line Fee -
$995 (regulated), deal-by-deal (non-regulated).
Additional Details
Security First mortgage over commercial property
All industry categories, with land size up to 20 hectares. A maximum size of $2.5m per security and up to $7.5m per borrower applies across all product categories. credit policy remains broad based and flexible to assist all categories of borrowers, income scenarios (irregular, offshore, self-employed etc), and borrower circumstances. Keep us in mind for those harder or more difficult deals.
Vacant Land Mortgage 🏠 Residential Non-bank
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Loan Parameters
Amount Range $0 - $7,500,000
Max LVR 60.0%
Term - ~ 360 months
Interest Rate 7.65% - -%
Payment Types capitalised, interest_only, principal_and_interest
Turnaround 24h (1d)
Eligibility Criteria
Min Credit Score -
Min Trading -
Min Turnover -
Property ownership Required
Security Types vacant_land
Security-LVR Rules
TypeMax LVRNotes
Vancant Land 50%
Vancant Land 60%
Fees & Charges
Establishment Fee -
Documentation Fee -
Monthly Fee -
Line Fee -
$995 (regulated), deal-by-deal (non-regulated).
Additional Details
Security First mortgage over vacant land
Up to 20 hectares. A maximum size of $2.5m per security and up to $7.5m per borrower applies across all product categories.
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