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We’re in the business
of growing your business.

We’re here to get more of your clients to approval. We’re specialist lenders.
Book a meeting
Growing your business

Helping your clients get to approval.

Speed

Continuously improving processes and systems to enable more approvals in less time.

Simplicity

We make complex lending simple so you can focus on helping the next client.

Product

A wide lending range and risk appetite with new product innovations to meet market needs.

Specialist Lending

Why introducers choose Avanti

Easy to apply

Quick and simple online
application process.

Increase conversion

Tailored lending solutions to
enhance your conversion rates
and customer outcomes.

Grow your business

Help get more of your
customers to approval

What we do

We've helped over 300,000 people achieve their goals, and have been voted best non-bank lender 3 years in a row at the NZ Mortgage Awards.

250,000+
Broad Product Range

We have a strong track record. And our offering is unique in the market.

Started in NZ

Avanti was founded in New Zealand
and is still proudly locally owned.

Avanti loan book as
of July 2025

$3B+
Loan book

Founded in New Zealand
with a growing team in NZ and AU

300+
Team

We’ve been lending since
1989 and we’re here to stay

36+
Years

We help support dreams,
whether they’re big or small

$1K-
$10M
Fred image
Fred Ohlsson
Group Chief Executive Officer

“We are specialist lenders. Our goal is to make lending simple, easier and faster.”

Personal Lending
Information Sheet

Effective from April 2025

Amounts
$1000 - $75,000
Loan term
6 - 84 months
Fixed interest rate
14.95% - 27.95% p.a.
Avanti Personal Loans offer unsecured fixed interest rates.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Consumer Auto Lending
Information Sheet

Effective from 15 April 2026

Amounts
$2,500 - $500,000
Loan term
6 – 84 months
Fixed interest rate
9.65% - 25.20% p.a.
Avanti Auto Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Commercial Auto Lending
Information Sheet

Effective from 15 April 2026

Amounts
$2,500 - $500,000
Loan term
6 – 84 months
Fixed interest rate
9.65% - 25.20% p.a.
Avanti Auto Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Property Lending
Information Sheet

Effective from 1 December 2025

Long term first mortgages
Near Prime Variable Base Rate
6.35% p.a.
Specialist Variable Base Rate
7.45% p.a.
Loan term
5 - 30 years
Near Prime Maximum LVR: Owner-Occupied
90%
Near Prime Maximum LVR: Investment
90%
Specialist Maximum LVR: Owner-Occupied
85%
Specialist Maximum LVR: Investment
80%
Short term first mortgages
≤65% LVR Fixed Rate From
7.39% p.a.
>65.01% – 80% LVR Fixed Rate From
7.99% p.a.
Short term caveat mortgage
From 13.85% p.a.
Loan term: Bridging
6 months - 3 years
Loan term: Caveat or Second Mortgage
6 months - 10 years
Maximum LVR: Bridging
80%
Maximum LVR: Caveat or Second Mortgage
100%

For further details or to discuss which loan is right for your client, give one of our BDMs a call.

High LVRs >80% may have a margin of up to 1% applied to the rate.
Lending criteria, fees, terms, and conditions apply. Interest rates and fees are subject to change.
Asset Finance Term
Loan Information Sheet

Effective from 15 December 2025

Amounts
$5,000 - $500,000
Loan term
6 months –
5 years
Fixed interest rate
11.45% -
19.50% p.a.
Avanti Asset Finance Term Loans offer secured fixed interest rates and may include an introducer margin.
Property security may be required for loans over $100,000.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Working Capital Term
Loan Information Sheet

Effective from 15 December 2025

Amounts
$5,000 - $100,000
Loan term
12 - 24 months
(Longer term may be considered)
Fixed interest rate
14.95% -
18.95% p.a.
Avanti Working Capital Term Loans offer fixed interest rates. Security may be required.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Caveat Secured
Loan Information Sheet

Effective from 15 December 2025

Amounts
Up to $150,000
Loan term
6 months - 2 years
Fixed interest rate from
13.85% p.a.
Avanti Caveat Secured Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Property Development
Loan Information Sheet

Effective from 15 December 2025

Amounts
$1,000,000
- $10,000,000 plus
Loan term
Up to 3 years
Fixed interest rate
From
7.50% p.a.
Avanti Property Development Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Commercial Property
Loan Information Sheet

Effective from 9 February 2026

Amounts
$100,000 - $4,000,000
(Auckland)
$100,000 - $2,000,000
(Other main centres)
Loan term
2 - 15 years
Payments can be amortised up to 25 years.
Commercial variable base rate
7.99% p.a.
Maximum LVR
70% (GST exclusive, fees included)
Maximum credit limit is exclusive of fees.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Bridging
Loan Information Sheet

Effective from 15 December 2025

Amounts
Up to $2,500,000
(Auckland & Queenstown Lakes)
Up to $2,000,000
(Other main centres)
Up to $1,000,000
(All other locations)
Loan term
6 months - 3 years
Fixed interest rate from
7.39% p.a. (LVR up to 65%)
7.99% p.a. (LVR 65.01% - 80%)
Maximum LVR 80%.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Staff Photo
Helen Mulligan
National Sales Manager – Property
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Bridgitte Turner
Business Development Manager Northland, Auckland North and West
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Richard Speir
Business Development Manager Auckland Central and East, Bay of Plenty
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Harriet Wright
Business Development Manager Auckland South and Waikato
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Paul Rolton
Business Development Manager Lower North Island, Wellington and Taranaki
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Mark Nolan
Business Development Manager South Island
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Jerard d'Unienville
National Sales Manager - Auto
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Rob Dean
Relationship Manager Franchise
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Anthony Galbraith
Relationship Manager Northland, Auckland Central, North & West
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Kim Dwyer
Relationship Manager Auckland Central, South & East
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Jessie Hutchins
Relationship Manager Waikato & Bay of Plenty
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Annie Wild
Relationship Manager Lower North Island
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Chloe Webster
Relationship Manager Christchurch & Upper South Island
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Brittany Thomas
Relationship Manager Christchurch & Lower South Island
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Ryan Nickelchok
Business Development Manager & Strategic Projects Lead
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Rajesh Raghavan
Relationship Manager