A wholesale investor is someone who meets the criteria in Schedule 1 of the Financial Markets Conduct Act 2013 (NZ) (for example, based on experience, certification or financial thresholds). Use our quick guide to see whether you may qualify. This offer is not available to retail investors.

To date, we have not experienced a loss of investor capital or missed interest payments on loans funded via our platform. We apply a consistent credit and risk framework to each opportunity. Past performance is not a guarantee of future results.

You’re investing in a loan secured against real estate. The loan is asset-backed, typically with a first-ranking mortgage over the security property. Interest payments are made as set out in the loan agreement (for example, monthly).

We fund loans to companies, trusts and experienced individuals in real estate—often for bridging, refurbishment or working capital. Each loan undergoes credit assessment and is offered only where we consider it meets our criteria.

The typical maximum LVR is up to 75% of the property value (loan-specific). A lower LVR can reduce risk if conditions change, but it does not remove risk.