We’re proud to share that Xceda has been featured in NZ Adviser, with a profile that offers a closer look at how we’re growing our lending capability while continuing to deliver trusted investment options for our deposit customers.
Read the full article here:
Inside Xceda’s challenge to NZ’s major banks
The article highlights some of the key themes that are driving our momentum, including the flexibility we offer borrowers, the depth of our adviser relationships, and the continued trust placed in us as a Reserve Bank-licensed non-bank deposit taker (NBDT).
We’ve built our business around a very clear proposition, supporting underserved borrowers who might fall outside the box for a traditional bank, while providing secure, competitive outcomes for investors.
More than just products
The feature highlights how our lending team approaches every application with a solutions-first mindset. That includes loan-to-value ratios up to 80%, flexible repayment structures, and servicing options across full-doc, low-doc and no-doc, all with the intent of giving advisers and customers more ways to move forward.
This is where our lending team shines, by asking the right questions and collaborating on outcomes that work for everyone involved.
Growth with purpose
We’re not new to the market, but we are deliberate in how we grow. Our move into longer-term mortgage products, including the recently launched 30-year Property Investment Loan, was a direct response to gaps in the market for property investors who need more than short-term funding. We’re balancing that with our established bridging and short-term offerings to maintain agility while building long-term impact.
This article speaks directly to the role advisers play in that process - and how we’re here to support, educate and partner with them.
Deposit Compensation Scheme
For depositors, the article also acknowledged a major development, the introduction of the Deposit Compensation Scheme, which went live 1 July 2025.
This is a major milestone for investor confidence, and something we believe will support our continued funding strength and product competitiveness over time.
Looking ahead
Our team is aligned on what’s next: keep growing in a way that’s sustainable, responsive, and grounded in trust. That includes strengthening adviser relationships, and continuing to advocate for a market where borrowers and depositors have a real, reliable alternative to the main banks.
We’re proud to have shared a bit of that thinking in NZ Adviser, and even prouder of the work happening behind the scenes every day across the Xceda team.