CFML Loans

CFML Loans specialises in residential 1st mortgage finance, and offers competitive interest rates for your residential or investment lending requirements. If you are interested in borrowing, please view our Lending Criteria, and complete an Application Form.

If you have any questions or would like to borrow from us, please get in touch!

Yuan Fang - Investor Relations

Yuan Fang  

Business Development Manager

Mobile: +64 9 222 2903


Johny Kale - COO

Johny Kale

Chief Executive Officer

Mobile: +64 21 179 6410


Borrower Documentation

CFML Loan Products

CFML Home Loans

CFML 321 Loans

CFML Standard Loans

CFML Specialist Loans

Types of Loans

CFML Loans can lend to borrowers with either residential owner-occupied and residential investment property in New Zealand. Borrowers must be able to offer a 1st ranking mortgage security.

CFML Loans can provide borrowers with the following types of loans:

  • Investment Property
    • 1st mortgage lending for residential investment property.
  • Refinancing
    • Looking to open equity in an existing property or looking to refinance an existing loan?
  • Interest Only / Principal and Interest
    • We offer both interest-only and principal and interest style of repayments.

CFML Lending and CFML are members of an independent dispute resolution scheme operated by Financial Services Complaints Limited (FSCL) and approved by the Ministry of Consumer Affairs. Under the FSCL Terms of Reference a complainant may refer a complaint to FSCL if it has taken CFML Lending or CFML longer than 40 days to resolve. Alternatively, if you are not satisfied by our response, you may refer the matter to FSCL by emailing or calling FSCL on 0800 347257 . Full details on how to access the FSCL scheme can be obtained on their website: . There is no cost to you to use the services of FSCL. CFML Lending’s FSCL Membership number is 7237 and Conrad Funds Management Limited’s FSCL Membership number is 6400. 

If you are not satisfied with the service you have received from us, you should contact us.

We have an internal complaints process and undertake to investigate your concerns promptly and fairly.

You may contact us to make a complaint to our Complaints Officer by telephone: +64 9 320 0957, 

or in writing to CFML, Unit 12, 114 St Georges Bay Road, Parnell, Auckland 1052, or 

PO Box 37-042, Parnell, Auckland or by email:

If you should have any questions, or would like additional information on our loan options, please contact us using the form below.