When banks move too slowly, we move at the speed of your deal.
Blossum provides short-term finance secured by a registered first or second mortgage over New Zealand property. Clear lending criteria, a disciplined credit process, and committed funding, so an approved deal actually settles. Indicative answers in around 48 hours and settlement in roughly 13 to 15 days.
Fast because we are disciplined, not because we cut corners.
Most non-bank lenders sell speed. Speed only matters to a broker if the deal actually settles. Blossum pairs a fast indicative answer with a rigorous credit process and committed funding, so the deal you place holds up all the way to settlement.
Institutional-grade discipline, at non-bank speed.
Every deal is assessed against the five C's of credit. It is the framework that lets us move quickly and still stand behind the decision, and it is what makes a Blossum approval something a broker can rely on.
Short-term, property-secured loans with a clear exit.
Loans run 6 to 12 months, from around $150,000, secured by a registered first or second mortgage over New Zealand property. Five clean purposes, each with an exit underwritten at the start, refinance to a bank, sale, or a capital event.
A clearly drawn box is a trust signal. To keep our discipline, and to save you time, Blossum does not lend on:
Place the deal once. Get a straight answer fast.
Brokers place the majority of our deals. Clear criteria let you self-qualify before you submit, and a direct credit contact means a fast indicative answer you can take back to your client.
How to submit a deal
Self-qualify before you submit
Borrower and broker FAQ
How fast can you give an answer and settle?
On a weekday, a Credit Manager will usually give an indicative answer within around 48 hours of receiving your loan summary and security details. Once an offer is accepted and documentation is complete, settlement typically takes roughly 13 to 15 days.
What security do you take?
Every loan is secured by a registered first or second mortgage over New Zealand property. Blossum is a secured lender only. We do not lend on bare land or leasehold property, and we do not do consumer or unsecured lending.
How are loans funded?
Loans are funded from committed capital, not raised deal by deal. Because the funding is already in place, an approved loan is far less likely to fall over at the funding step, which matters when a settlement date is locked in.
What can the funds be used for?
Acquisition, refinancing, bridging, equity release, and property-backed working capital, each with a clear exit such as a refinance to a bank, a sale, or a capital event. Terms run 6 to 12 months, from around $150,000.
How do you assess a deal?
Against the five C's of credit: Character, Capacity, Capital, Collateral and Conditions. That includes conservative valuations using current market evidence, prepaid interest where it applies, and World-Check plus full AML and CFT screening. The exit is underwritten at the start.
What does it cost?
Pricing is quoted per deal, based on the security, the structure and the term. We do not publish rates or fees here. For an indication on a specific transaction, talk to the credit team or ask your mortgage adviser.
Can I apply through my mortgage broker?
Yes. Brokers place most of our deals through a 550+ adviser network. Your broker can self-qualify the deal against our criteria and submit a short summary to the credit team for a fast indicative answer.
Can I repay early?
Loans are short-term and structured around a defined exit. If you want to repay ahead of the agreed term, talk to the credit team and they will set out the payout details for your facility.
Have a deal? Let's see if it fits.
Send the credit team a short loan summary and the security details, or ask your mortgage adviser to submit it. We will come back with a straight, indicative answer, usually within around 48 hours on a weekday.
Pricing is quoted per deal. Lending is secured by registered mortgage over New Zealand property and subject to credit assessment.
