Easy Loans for Homeowners...

121 Finance Freedom Loans are so simple and were developed to make it easier for you to secure personal finance for your homeowner clients.

The loans are available as 2% and 5% Freedom Loans.

121 Finance will simply use the value of your client's home to provide a loan of up to $20,000 without testing the Equity/LVR on the property.

Opposite you will find the detailed individual qualification criteria for the 2% and 5% Freedom Loans and we encourage you to discuss these loan options with us and your clients.

For those clients who may seek personal loans above the maximum stated, we are happy to discuss these under our wider personal loan criteria on a case by case basis.

So here is your chance to offer your client's a helping hand with their real finance freedom through 121 Finance Freedom loans.

Region: Nationwide

Minimum GV: $75,000

Maximum Loan: $10,000

Valuation: GV, RV, QV, (less than six month old)

Title Position: 121 Finance must be 1st or 2nd. If less than 12 months old must prove mortgage up to date.

Rate: From 17.95%

Maximum Term: 48 months

Region: Auckland, Hamilton, Tauranga, Wellington and Christchurch

Minimum GV: $150,000

Maximum Loan: $20,000

Valuation: GV, RV, (less than six month old), QV - must be house and land.

Title Position: 121 Finance must be 1st or 2nd. 1st must be mainstream bank lender.

Rate: From 15.95% - Auckland, From 17.95% - Other regions

Maximum Term: 60 months

NOTE: Not to be used for property purchases.