.png)
If the main banks have said no—or if your situation doesn’t fit their rigid rules—don’t worry. Optimise Finance partners with a wide range of non-bank and second-tier lenders across Auckland and the Hibiscus Coast who take a more flexible, common-sense approach.
These lenders are ideal for self-employed clients, recent migrants, clients with temporary income challenges, or anyone needing short-term finance for a specific purpose. Whether you’re based in Ōrewa, Gulf Harbour or central Auckland, we’ll present your case clearly, compare market options, and negotiate terms that give you room to move. It’s all about solutions, not red tape.
Non-bank loans can help with everything from bridging finance and debt consolidation to unique property purchases that fall outside the usual criteria. We’ll guide you through the pros and cons, help you understand the costs, and structure lending that supports your plans.
While non-bank lending isn’t always a long-term solution, it can be a useful stepping stone. We’ll also work with you to create a plan for moving back to a main bank when your situation allows.
How We Can Help
We work with a range of flexible lenders to secure funding when traditional banks say no. Our deep understanding of non-bank options means we can match you with the right lender and terms for your unique situation.
Next Steps
If your lending needs don’t fit the standard box, we’re ready to help. Contact us for a free, no-obligation discussion about your options.
.png)