Welcome to Xceda
SAVINGS.
TERM DEPOSITS.
MORTGAGES.
From 1st July 2025, Xceda savings accounts and term
deposits are protected under the Deposit Compensation Scheme.

New Term Deposit Rates
Announced
5.00%
p.a for a 9 month term*
*Rates valid from 11 June 2025 - Advertised rates are subject to change without notice.
Xceda's Products
Term Deposits & Savings Accounts

Savings Accounts
Earn a premium rate of interest whilst your cash is on call, ready to use whenever you need it.

90 Day Notice Saver
Our 90 day notice saver lets you save that little bit extra – perfect for both individuals and SMEs.
Specialist Loan Products

Bridge Mortgage Loans
Short-term mortgage lending to purchase or refinance a property, with fast approval times and streamlined credit process.

Property Investment Loans
To purchase a residential property for investment purposes, for example buying a property for rental purposes, or to land bank over a longer term.
Specialised Home Loans
To purchase or refinance your own home, access equity for personal use, or support family with a deposit or retirement living.
For over 30 years Xceda has been offering investment and lending products to New Zealanders.
Licensed by the Reserve Bank, Xceda adheres to strict regulations & governance by the RBNZ. We are committed to providing NZ individuals and businesses with tailored financial services, focusing on personal service and responsible lending, to enable you to reach and then exceed your financial goals.
Xceda is one of only 8 finance company institutions in NZ granted a license by the Reserve Bank as a Non-Bank Deposit Taker.
Talk to us today
Call us
Loans & General Enquiries:
0800 11 22 74
help@xceda.co.nz
Savings & Deposits:
0800 11 22 75
invest@xceda.co.nz
Overseas:
+64 7 306 0273