In New Zealand, funding is rarely “one-size-fits-all”. Banks tend to be cheaper but more conservative (documentation, equity, presales, QS/valuation controls). Non-bank lenders can be faster and more flexible (often higher cost). Joint ventures and private partners can unlock scale but require very clear governance and exit rules. This article breaks down the most common funding paths for small-to-mid residential developments and renovations, with practical notes for Hamilton and Waikato.