Xceda Loans
Our Loan Products
Xceda is a specialist mortgage lender, offering tailored mortgage lending products to New Zealanders for over 25 years.
With loan terms available from 3 months to 10 years, Xceda prides itself on finding a solution for our clients, particularly when their situation might not fit the criteria of the main banks.
Flexible mortgage products tailored for you.
Our personalised service, and speed of approvals, makes Xceda a great option for borrowers.
Bridge Mortgage Loans
9.95% - 15.95% p.a.*
- Property Investors
- Urgent Settlements
- Flexible Repayments
- Owner Occupiers
- Land Banking
- 3 - 24 month terms
Property Investment Loans
9.95% - 12.95% p.a.*
- Property Investors
- Buy to Let
- Interest Only first 2 years
- Owner Occupiers
- Land Banking
- 10 year terms available
Equity Release Loans
9.95% - 12.95% p.a.*
- Property Investors
- Release Funds for discretionary spending
- Owner Occupiers
- Customers over aged 55
- 10 year terms available
Over 55 Customers
9.95% - 12.95% p.a.*
- Owner Occupiers
- Equity Release
- Purchase a house
- Bank of Mum & Dad
* 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.
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 - from three months up to 10 years;
- Line of Credit Facilities - for staged drawdowns; and
- Revolving Credit Facilities – allowing customers to access their facility whenever they choose.
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.
Testimonials
"Excellent service and Staff interaction, user friendly and secure software, with attractive interest rates offered. I have confidence in Xceda Finance."
John
"Easy aplication process and a quick response time from the Xceda Team. My application was important to me and Xceda made it clear it was to them as well."
David
"Xceda's team is professional with great customer service."
Anonymous
Talk to us today
Call us
Loans & General Enquiries:
0800 11 22 74
help@xceda.co.nz
Savings & Deposits: