Money invested in the Blossum Wholesale Investment Fund is lent to New Zealand businesses as short-term loans, each secured by a registered first or second mortgage over NZ property. Interest from those loans funds the target return of 8% p.a. (after fees, before tax), paid as monthly income distributions.
Returns are not guaranteed and may vary. This page shows real examples of past lending from the Fund’s loan book.
See the case studiesGet the investor packThe Fund pools investor capital and lends it to New Zealand businesses, secured by registered first and second mortgages over NZ property. There is no share market exposure and no development speculation: the Fund is a lender, and every loan is tied to a specific property on a specific title.
Wholesale investors contribute capital to the Blossum Wholesale Investment Fund, a New Zealand PIE fund managed by Blossum Private Wealth Trust Limited.
Capital is lent as short-term loans, typically 6 to 12 months, to commercial and property investors. Every loan is secured by a registered first or second mortgage over NZ property.
Borrowers pay interest into the Fund, and distributions are funded by interest earned across the loan book, not by any single loan. Distributions are paid monthly. Returns are not guaranteed and may vary.
Three examples of past lending from the Fund’s loan book, with the details as at the time each loan was written. Past lending examples are illustrative and not an indication of future returns.
The Fund advanced $825,000 of investor capital on a 12-month term, secured by a registered first mortgage over a Hawke’s Bay property valued at $1.1 million.
Long-standing bank clients required a short-term facility to resolve an IRD obligation and prepare an investment property for sale. Refinancing through their primary lender was not viable.
The Fund wrote a second-mortgage facility with a defined six-month term, secured across two properties: a Warkworth property valued at $8.0 million and a Newmarket commercial property valued at $16.1 million, $24.1 million of security in total.
Published in Blossum Investor Insights: read the full case study.
A snapshot of three loans on the book at one point in time, showing how investor capital spreads across regions, property types and loan sizes rather than sitting behind a single deal.
| Region | Amount lent | Loan and security | That loan’s LVR |
|---|---|---|---|
| Auckland | $2.8M | Loan secured over a $22M commercial property | 67% |
| Hawke’s Bay | $825K | First mortgage (the loan detailed above) | 75% |
| Otago | $173K | 3-month loan secured over NZ property | 58% |
Swipe the table to see each loan’s LVR
Each figure is that loan’s own loan-to-value ratio at the time. Across the whole loan book, the Fund manages to a maximum weighted average LVR of 75%, which keeps an equity buffer between the value of the security properties and the money lent against them.
Case studies describe actual loans written by the Fund. Borrower details are limited to protect confidentiality, and figures are as at the time each loan was written. Past lending examples are illustrative and not an indication of future returns.
The case studies above are the output of a credit process, not a pipeline that approves whatever comes in. Loans are assessed deal by deal and structured so the Fund’s security position is clear before any capital moves.
The Fund lends to New Zealand businesses, commercial and property investors. Each application is assessed on the borrower, the security property and the exit: how the loan will be repaid at the end of its term. Whether the Fund takes a first or second mortgage is decided deal by deal.
The loan book is managed to a disciplined weighted average loan-to-value position, with a maximum weighted average LVR of 75% across the portfolio. Individual loans sit at their own levels, as the case studies show, and the weighted average discipline is what maintains the equity buffer across the portfolio.
Loan terms are short, typically 6 to 12 months, so positions are reviewed and repaid frequently rather than left to run. The credit team monitors each loan through its term, with a dedicated Credit Manager overseeing the book. Blossum Private Wealth Trust Limited is the Manager of the Blossum Wholesale Investment Fund.
Model what your investment could earn at the target return of 8% p.a. (after fees, before tax), paid monthly, and what the 28% PIE tax cap for individuals could mean at your tax rate. Returns are not guaranteed and may vary.
Open the calculatorThe Information Memorandum and SIPO set out the Fund’s lending parameters, permitted investments, fees and risks in full. We will email you the pack, and an investment manager can walk you through any of the case studies on this page. No obligation.
This offer is available to wholesale investors only, as defined in clause 3 of Schedule 1 of the Financial Markets Conduct Act 2013. It is not intended for retail investors and nothing on this page is financial advice.
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This page is intended for wholesale investors only, as defined in clause 3 of Schedule 1 of the Financial Markets Conduct Act 2013. It is not financial advice. The target return of 8% p.a. (after fees, before tax) is a target only; returns are not guaranteed and may vary. The case studies on this page describe actual past lending by the Fund, with details as at the time each loan was written. Past lending examples are illustrative and not an indication of future returns. Past performance is not a reliable indicator of future performance. Where the Fund holds a second mortgage, the first mortgagee is repaid before the Fund, so second-ranking loans carry higher risk. Please read the Information Memorandum in full and seek independent financial, legal and tax advice before investing. Blossum Private Wealth Trust Limited is the Manager of the Blossum Wholesale Investment Fund.