Accessing equity doesn't always mean selling

Sometimes, the value is already there. You just need the right structure to unlock it.

Landowners or developers sitting on sites that have appreciated significantly since purchase, either through natural uplift or added value from early works.

But that value isn't always recognised by their current lender.

Banks tend to lean on original purchase prices. They often want presales, consents, or CCCs in place before they'll reconsider the numbers.

That's where non-bank refinancing can shift the game.

Some lenders will look at the current market value, especially if there's a clear path to development, a sound feasibility plan, and experienced hands at the wheel.

When that happens?

You can unlock working capital without:
- Selling too soon
- Giving up equity
- Waiting for titles to be issued

In fast-growing regions like Queenstown, Central Otago, or Tauranga, value shifts can happen quickly.

If you're not prepared to leverage that uplift, you could be leaving capital on the table.

We've seen clients use this strategy to:
- Fund civil works and 224c stages
- Cover GST or cost overruns
- Secure their next acquisition without relying on presales

It's a smart move, especially in a lending environment where flexibility is limited and speed matters.

If your land has increased in value, it might be time to reassess your options.