Core Finance

Core Finance


Core Finance specialises in non bank loans secured by a second mortgage over residential and commercial property. We are an Auckland based Finance Company servicing all of New Zealand. With over 28 years experience in the property finance industry, we have a knowledgeable understanding of second mortgages and the requirements of our clients and their advisers. We create flexible finance solutions without having to meet all the requirements of the banks.

We are owner operated and all applications are processed by one of our working directors.

If you would prefer to have a chat with a specialist non bank lender rather than filling out forms give us a call us 0800 667 366 to discuss your requirements. Otherwise complete our contact form and we’ll be in touch.

Lending money is our business.


Brothers Grant and Sean Donoghue along with Grant’s partner Alyson teamed up in 2008 to form Discount Loans, which was rebranded to Core Finance in 2016. Grant and Sean’s Father Brendan Donoghue formed the original Finance Company, Abcom Finance in 1992. In 1996 Sean joined Brendan as a Director of Abcom Finance, Brendan retired in 2004 leaving Sean as sole director. Sean has now surpassed 20 years in the business.

With a business model based on that of Abcom Finance, the Donoghue’s began lending in the non bank consumer finance market and later branched out into the mortgage adviser network and commercial finance. To this day the company still relies on its original lending platform which has been tried and tested over the last 20 years.

Grant is well known within the mortgage adviser network in Auckland and throughout New Zealand as a specialist non bank second mortgage lender. He has built up a core network of trusted financial advisers who work closely together to provide financial solutions to their clients. Providing a fast, friendly and efficient service has helped Grant build on this network and his relationship with its advisers and has given Core Finance the reputation it has today.


If you require a short term loan, working capital for your business or finance to consolidate debt and do not meet the requirements of the banks, talk to one of our specialist non bank second mortgage lenders. Our services include:


Second Mortgage – A home loan without having to meet all the requirements of the bank. Whether it be for a deposit on an investment property, renovating a house or subdividing a section, we have a financial solution to suit.


Debt Consolidation – Take the financial stress out of your life. Loan top ups to refinance all your debts into one easy to manage payment.


Business Finance – Self employed? Need money to make money? Grow your business with a smart tailored finance solution. Bridging finance or working capital for your existing or start-up business. Tax arrears and GST payment options available.


Personal Loans – Personal loans with a personal touch. Flexible payment plans and loan terms are tailored to suit your financial position.

Our terms and conditions are fully disclosed in our loan contracts which are available to view on this website and an independent complaints procedure is in place with the Financial Disputes Resolution.

Mortgage Advisers

Relationships are important to us, especially our relationship with you. We believe we can make a positive contribution to your business. We have operated within the mortgage adviser network since conception and welcome applications from registered Finance and Mortgage Advisers. We are a Registered Financial Service Provider and a member of the Financial Disputes Resolution scheme

Being flexible within our guidelines and by treating every deal on its merits, we should be able to provide a financial package to suit your clients individual needs.

Bank consent and Deed of Priority not required.

We pay adviser commissions direct to the adviser on settlement of each loan advance.
To assist with a rapid response please email with a brief outline of your clients application to include the following information:

• Loan amount and term required
• Purpose of the loan application
• Current value of security property
• Total existing debt secured over the security property

FDR # FM0298 FSPR # FSP32947


For all enquiries please email or complete the contact form below and we will call you.

PO Box 31764 Milford,
Auckland 0741

C/- Bentleys Chartered Accountants
Level 8, AIG Building
41 Shortland Street
Auckland 1010

Ph 09 480 2500
Mob: 021 472 006
0800 667 366