Make your project a reality, with New Zealand’s leading property finance specialists.

Spinnaker Capital is one of the largest and most trusted non-bank lenders in New Zealand. Since 2009, Spinnaker Capital has lent over $2 billion towards hundreds of residential and commercial projects throughout New Zealand. We work cooperatively with developers and investors – offering flexible, collaborative and competitive non-bank lending.

Flexible terms

Competitive pricing

Fast approvals

Loans up to $30m

Our Lending

Development Finance

We specialise in a range of construction and development property finance, designed to help get your project off the ground.

Find out more

Bridging Finance

Spinnaker Capital can provide short-term bridging finance for a variety of property assets on short notice, with terms ranging from 3 months to 12 months.

Find out more


We’re a broker-friendly lender. With high-speed turnarounds, we can provide indicative terms within a day, and a formal offer within two days.

Find out more

Flexible, competitive, reliable. Spinnaker Capital is the team of property finance specialists you can trust.

Why work with us


Over the past 11 years, Spinnaker Capital has lent over $2 billion to New Zealand property developers, and helped make hundreds of projects happen.


Spinnaker Capital is owned and operated by highly regarded local businessmen, who have more than 80 years’ combined experience in the property and finance industries.


We understand that in the property development industry, fast turnaround matters. Spinnaker Capital can provide same-day approvals when needed.


We provide extremely competitive terms and conditions, including low interest rates, no pre-sales, and capitalised interest.

Hear from satisfied Spinnaker Capital clients

We chose Spinnaker Capital for the funding required for our townhouse project in Howick which was arranged through our broker. We had not borrowed from a private lender before. Our experience with Spinnaker was fantastic. Drawdowns were processed quickly and we received all the support we needed to complete the project successfully. We would recommend Spinnaker to other developers.

Joe Shang

We have worked with Spinnaker Capital on several terraced house projects since 2017. As a builder/developer we needed a more creative funding solution than the banks could provide. Our experience with Spinnaker has been excellent, particularly their flexibility in creating a funding structure to fit our requirements. Drawdowns are always processed promptly without issue. We have no hesitation to recommend Spinnaker.

Bruce Queenstown

Spinnaker provided a facility without requiring presales, which allowed construction to start immediately. My target market needed to know with certainty when completion would occur so they could sell their existing homes. Spinnaker’s offer provided this certainty. Within four months of construction starting I had unconditionally sold nine out of the 10 sections. I found Spinnaker very flexible and good to deal with.”

John Hamilton Sunrise Investment Trust

I required a short-term bridging facility for my business, which I needed promptly to ensure four projects started without delay. Spinnaker provided a committed offer within a day which settled within four days. That certainty meant the projects started on time which in turn has provided more business. We now have the best pipeline of work that we have had for 15 years. I would recommend Spinnaker given they are flexible with quick turnaround timeframes.

Ian Mellsop Marinescape Properties

It was taking considerably longer than expected for resource consent to issue for a land subdivision. By the time the consent was issued the global financial crisis made our lenders nervous, notwithstanding we had completed a number of similar successful projects. Spinnaker provided the certainty needed to show our purchasers the project was proceeding. Despite a very stressful period the project was a success, which allowed us to move onto new opportunities.

Steve Mason and Wayne Allen Regis Farm Ltd

In the midst of the global financial crisis, sourcing development finance for a luxury residential subdivision in Greytown was considered ambitious. Fortunately our Broker introduced us to Spinnaker and from the first meeting we saw they shared our vision. Spinnaker supported us through an accelerated winter build and were always prompt with drawdown payments. We appreciated the assistance and advice Spinnaker provided. Well done!

Steve Pilbrow Westwood Land Developments Ltd