Global Business

Loans for the Self-Employed

• Ability to afford loan made by declaration
• Residential & Residential investment
• No Requirement for Financial Accounts

Borrowers:
Companies, Trusts & Individuals

80% Lending:
2 Years Self Employed
Restricted to larger Towns
Maximum term 30 years
Maximum Loan amount $600 000 per security property

70% Lending:
No minimum period of Self-Employed
10,000 Minimum Population
Maximum term 30 years
Maximum Loan amount $1 million per security property

Global 100

Saved Deposit NOT Required

• Available on all standard loan products
• Proof of income required
• Residential & Residential investment
• Clear credit history
• New Purchases only
• 100% Lending with a combination of First & Second mortgages
  or
  95% first mortgage for owner occupied properties with 5% from other sources
  or
  90% first mortgage for investment properties with 10% from other sources

Global Standard

• Proof of income required
• Deposit of proven savings history
• Residential & Residential investment
• Clear credit history
• 95% Financed / 5% Deposit (Owner/Occupier)
• Maximum term 30 years
• Maximum Loan amount $1 million

Refinancing for:
Debt Consolidation
Equity release

Global Construction

Maximum lending
Major Cities: 90% of land purchase / value
90% building contract

Provincial areas:
75% of land purchase / value
75% building contract

• Variable interest rate, interest only, during construction period.
• Maximum Loan amount $750 000
• Builder must be a member of the Master Builders Association

Global International

• Loans for non residents buying in New Zealand
• Maximum loan 80% of purchase price / Registered Valuation whichever is the lesser
• Maximum Loan amount $750 000
• Applicants may not necessarily reside and work in New Zealand
• Power of Attorney may be required

Global Australia

• Loans for New Zealanders or Australians buying in Australia
• Maximum loan 90% of purchase price / Registered Valuation whichever is the lesser
• Available on Global Business and Global Standard products
• Loans subject to Australian legislation and lending criteria

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