Group 6614-2

Need help call:

0800 11 22 74

Contact email:

Bridge Mortgage Loans

Bridge Mortgage Loans

Bridge Mortgage Loans 


Xceda can provide you with fast approvals to finance your short-term lending needs.


Bridging loans are a great way for customers to meet a defined short-term need where there is a clear source of repayment identified, and within a defined timeframe.

Lending Rates between


9.95% - 15.95% p.a.*

Apply Now
* Xceda's lending products are all subject to fixed interest periods of up to 2 years. Our fixed interest rates vary depending on the credit profile of the transaction. All loans are subject to our standard Loan Fees, Terms and Conditions.

Key features of 
Xceda’s Bridge Mortgage Loans

Frame 149-1

Short Term Loan Purpose

These loans are typically used by Borrowers to meet a short-term need (3-24 months). This could be for a property purchase, to release equity for a short-term project, or to use property as security for business finance needs.


Types of Borrowers – Owner Occupier & Investors

These loans are offered by Xceda to both owner-occupiers and property investors.

  • An owner occupier scenario is where a borrower has purchased a new home before selling their existing home, therefore needing a “bridge” until the existing home is sold.
  • Investors may use this loan to make quick decisions on a property purchase before the property is rolled up into a larger property portfolio. Another example could be to "land bank" a residential property whilst they apply for Resource Consent for a larger development on the property.


Interest rates

From 9.95% to 12.95%. The actual interest rate will depend on the borrower's circumstances and the information verified during the assessment of a loan application.


Loan Amounts

Loans up to $2,500,000 subject to loan circumstances (e.g. location, eligibility criteria and lending limits).


Loan Terms

As a short term “bridge”, these loans are offered between 3 -24 months. Typically, the exit/repayment strategy is clearly defined.


Loan to Value (LVR)

Borrow up to 80% of the property value. LVR's above 70% are subject to available funding and price loading.  


Repayment Structures

  • Interest Only; 
  • Principal and Interest; or 
  • Capitalised interest structures are available in certain circumstances, particularly where the exit (i.e. repayment) is very clearly defined (often referred to as a “closed bridge loan”).


Loan Rates, Fees and Terms & Conditions

Xceda's Other Loan Products

Equity Release Loans

Borrowers Aged Over 55 Loans

Property Investment Loan


★ ★ ★ ★ ★
"This was the first time dealing with Xceda. Good and prompt communication with staff, and no issues regarding my business dealings."

Gerard Bruijl

★ ★ ★ ★ ★
"Quick & easy to deal with, excellent staff make it ALL happen, & take the hassle away from you."

John Donnelly

★ ★ ★ ★ ★
"Great customer service experience and interest rates. Emma is a very good communicator and made the application process easy."


Talk to us today


Call us


Loans & General Enquiries:

  0800 11 22 74


Savings & Deposits:

  0800 11 22 75