Asset finance

At Lemon Tree Finance, we specialise in helping businesses and individuals secure the funding they need for vehicles, equipment, and other essential assets. Let us help you find the best financial options on the market.

Use our asset finance calculator

Use our calculator to get an idea of what your payments could be based on your deposit.

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What type of asset finance are you looking for?

Buying a vehicle

Are you looking to buy a new vehicle for personal or business use? At Lemon Tree Finance, we make it easy and stress-free to access finance with great terms. Whether it's an upgrade or a business fleet expansion, we help you secure the right funding solution quickly and efficiently, so you can focus on the road ahead.

Business in need of Machinery

Is your business ready to grow? We provide tailored equipment finance solutions to help you upgrade machinery and invest in new equipment. With competitive terms and low deposit options, we make it easy to secure the funding you need to keep your business moving forward.

Smart Debt Management & Loan Structuring

At Lemon Tree Finance, we help you strategically manage your loans. Whether you're juggling multiple debts or want to pay them off faster, our service is designed to consolidate debts, restructure loans to improve cash flow, reduce interest costs and align repayments with your income.

We tailor each solution to your unique situation, giving you clarity and control on the path to financial freedom. Let us make your debt work smarter, not harder.

How we work with you.

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We make it simple and transparent.

We provide clear, easy-to-follow steps and open communication. This ensures you get a straightforward leading to effective results for your business or personal asset goals.

We tailor solutions to your goals.

Whether you're looking to purchase a personal asset or buy business assets we make sure we understand your goals and situation to provide a comprehensive strategy that works for you.

Help you achieve financial freedom sooner.

We help you structure and manage your asset finance debt effectively. This ensures you're not just borrowing, but actively using your finance as a tool to help build your business or personal goals.

Frequently asked questions for asset finance.

How Much Deposit Do You Need in NZ?
First Home / Owner-Occupied
  • Deposit: 20% or more gets you the best rates. A 10–19% deposit may be possible with a Low Equity Margin (LEM). Deposits of 5–9% are possible through the First Home Loan scheme.
  • How you can fund it: Your deposit can come from KiwiSaver, savings, a First Home Grant, or family gifts.
Investment Property
  • Deposit: A 35% deposit is the standard requirement. A smaller deposit (20-34%) may be possible with some lenders, or by using existing equity.
New Builds
  • Deposit: Banks can lend with a 10% deposit for new builds, as they are often exempt from LVR restrictions.

Minimum deposit requirements depend on your individual situation, but we'll work to maximize your options.

How long does the process take

The timeline for a home loan application can vary, but generally follows these steps:

  1. Preparation (1-2 days): You gather and provide your financial information and documents to the advisor.
  2. Assessment (1 day): Your advisor reviews your information and recommends a strategy.
  3. Bank Application (5-10 business days): Your advisor submits the application to the lender, who then issues an outcome.
  4. Final Approval: After you provide any remaining documents, the bank issues a final, unconditional approval.
  5. Settlement: Your solicitor organizes the final signing and funds transfer on settlement day.

The total time can depend on the complexity of your application and how quickly you provide the required documents.

How does a financial advisor help me get a better interest rate or loan terms?

Financial advisors have access to a wide range of lenders, allowing them to compare rates and find niche policies that suit your needs. They can also use their relationships and expertise to negotiate for better interest rates, cashback offers, and terms on your behalf. Beyond just the rate, they strategically structure your loan with a mix of products to reduce interest costs and align with your long-term goals. They provide ongoing support to ensure your loan remains optimised for your financial situation.

How much does it cost to use a financial advisor for a home loan?

Most financial advisors for home loans are paid a commission by the lender, so there is typically no direct cost to the client. Fees may apply in specific cases, such as for complex lending, non-bank loans, or if a loan is repaid very early. Any potential fees will be disclosed upfront.

Who we work with

We're partnered with some of New Zealand's most renowned, trusted and reputable lenders.

Asset finance guides and insights

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Finding you the best asset finance.

Let us help you find the best financial options on the market.

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