Xceda Loans

Our Specialist Loan Products

Xceda is a specialist mortgage lender, offering tailored mortgage lending products to New Zealanders for over 30 years.

With loan terms available from 3 months to 30 years, Xceda prides itself on finding a solution for our clients, particularly when their situation might not fit the criteria of the main banks.

Xceda's loans give you options

Loans Tailored For You.

Xceda specialises in finding a solution that meets your needs - often where banks are not able to assist. We work with customers to find a way to meet your objectives - we know that one size doesn't always fit all - so we provide different scenarios to give customers real choices.

Flexible Payment Structures. 

We can offer multiple repayment structures:

• Principle and Interest Loans;
• Interest Only Loans; and
• for selected customers, Capitalised Interest Loans.

Multiple Loan Types.

Our loans also have a number of drawdown options:

• Fixed Term Loans - Available on our Short-term (Bridge) Mortgage product for the full loan term. Fixed term options are also available for our Long-term (Property Investment and Home Loan) products for 12, 18, or 24 months.

  
  

• Long-Term Loans - Loan terms of up to 30 years, with options for interest-only repayments for up to 5 years (subject to approval).

  
  

• Line of Credit Facilities - Suitable for staged drawdowns.

  
  

• Revolving Credit Facilities - Offers flexible access, allowing you to draw down funds as needed (up to your approved limit).

Responsible Lending Laws.

Xceda customers are protected by responsible lending laws. Because of these protections, the recommendations given to you about our loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.