Background

A better funding solution starts with understanding the Real Issue. Is refinancing your debt solving the problem - or simply moving it somewhere else at a higher cost?

Refinancing may provide breathing room but won’t necessarily address the underlying issues. At CCL, In my experience taking the time to formulate the right strategy, having the right people around you and access to liquidity can create an opportunity to restructure, stabilise and move forward, saving you significant time and money over the longer term.

Before You Refinance, Consider the Bigger Picture

CCL's focus is to explore whether your existing first mortgage lender – creditors can remain in place rather than automatically refinancing elsewhere. Why does this matter:

• Higher interest costs: Refinancing may mean moving to a more expensive lending facility.

• Additional fees: Lender fees can typically range from 1–2%, with brokerage fees potentially adding a further 1–2%.

• Short-term funding pressure: Non-bank facilities are often structured for 6–12 months, potentially requiring another refinance and another round of fees when the facility expires.

Whilst Non-bank lending has an important role to play in the right circumstances, returning to a bank who are focused on liquidity, can be challenging after a period of financial difficulty, particularly when financial performance and lending criteria do not yet align.

CCL is a NZ lender. It does not compete against the bulk Aussie lenders such as Biz-Cap and Prospa. My approach is to look beyond the immediate funding requirement and explore practical solutions that support a more sustainable outcome.

Established in 1996, CCL has navigated several financial cycles and experienced the challenges that come with them, having learnt valuable lessons along the way.

Two principals are constant: Communication and Experience.  

CCL, does not apply a rigid, set of lending criteria. While property is our primary form of security, consideration is given to each situation on its individual merits.

An Active, Non-Advisory Approach - CCL takes an active, non-advisory role, drawing on its experience and where required and on a case by case basis engaging independent advisors to work through potential solutions. My focus is not simply to transfer debt from one lender to another. It is to understand the underlying issue, explore the available options and, where possible, create a pathway towards a more sustainable financial position.

Before you refinance, talk to CCL about the alternatives. Every situation is different, and any proposed solution is subject to satisfactory due diligence and lender approval.