2nd Tier Lending Solutions in New Zealand: Flexible Financing When Banks Say No

Because everyone deserves a fair shot at financing, even if traditional banks say no.

At Century 21 Financial, we believe in creating real opportunities for borrowers who’ve been turned away by traditional banks. Our 2nd tier lending services provide more flexible criteria, faster approvals, and a straightforward process — giving you the financial support you need when you need it most.

Who Should Consider 2nd Tier Lending?

Bad Credit Borrowers: If you’ve been denied a traditional mortgage or loan, our 2nd tier lending options can offer a lifeline.
Property Investors: Looking to expand your property portfolio but don’t meet strict bank criteria? We can help.
Self-Employed: Struggling to prove stable income? Our flexible approach means you’re not penalised for being your own boss.
Urgent Funding Needs: Need quick approval for a time-sensitive purchase or financial obligation? 2nd tier lenders can often finalise loans faster than banks.

If you have bad credit, are self-employed, or need urgent funding, 2nd tier lending might be right for you.

FAQ 

Q: Do 2nd tier lenders charge higher interest rates?
A: Interest rates can be slightly higher than those of traditional banks due to the flexibility and risk profile. However, our expert advisers work to find competitive terms and rates that suit your situation.

Q: Will 2nd tier lending affect my credit score?
A: Like any loan, missing or late payments can affect your credit. However, successful repayment through a 2nd tier loan can also improve your credit standing over time.

Q: How quickly can I get approved? 
A: 
In the 2nd Tier space, we have secured lending approvals within 24 hours. This is a case-by-case scenario, although, 2nd Tier deals are generally approved and able to settle within 5 working days. 

Ready to secure the financing you need? Fill out our quick application form or call us at 027 2777 352 to speak with an experienced adviser today.