About Us

New Zealand’s commercial mortgage market has a shortage of available funding.

The construction sector needs financial backing, however, traditional sources are tightening their approval criteria for this industry.

This creates an opportunity for investors to support and benefit from higher returns, in a market now dominated by a low OCR.

Torrent Capital is a specialist non-bank lender and an expert builder of connections between property finance need, and investors seeking opportunity.

We have some of the most experienced property, banking and finance experts in the country – we look forward to talking to you about how we can work together.

What we do

We deliver investment opportunities and funding solutions.

For investors, we provide the potential to be a lender supporting projects and developments.

Investor Pools

We will match an investment opportunity to a funder, from a single investor to a larger group. Our approach is founded on close relationships, trust, openness and strong connections.

Commercial
Property Finance

For the investor favouring longer term cash-flow we facilitate funding opportunities for commercial property, for single or multiple investors. Criteria include: dependable and secure tenanted properties, above market returns, high profile and quality buildings, with a proportion of bank or security fund.

For owners seeking financial support, we provide access to capital, whether from an individual or group of investors.

Property and Subdivision Finance

From a small multi-dwelling development to a large subdivision, or commercial build, we can get your project off the ground. We consider each one personally and confidentially, structure it in the most effective way, optimise the terms and deliver a presentable offer.

Bridging Finance

Sometimes there is a need for short term borrowing, or “bridging finance”, to cover the sale or purchase of an asset. We understand things do not always fit perfectly and there’s a need for a financial solution to help you across the line.

The numbers

Numbers make our world go around – they will do the same in yours.

  • Our lending in this market covers transactions from $2m and up
  • Loan-to-value ratios are typically managed on current “as-is” valuations
  • Above market rates priced to transactional risk
  • Continuous pipeline of new opportunities sourced from a nationwide network of brokers and intermediaries