Everything investors ask us.

Investment Opportunities is the New Zealand investor programme of HomeSec Business Finance, a private business lender lending since 2004, with its New Zealand office in Auckland. Wholesale investors co-fund individual short to medium term business loans secured by registered first and second mortgages over New Zealand real estate. You choose each loan, you are named on the mortgage for your share, and HomeSec's own money sits in every loan alongside yours.

No. You don't buy units in a pool. You lend into a specific loan you have reviewed, and you are named on the registered mortgage for your exact contribution, alongside HomeSec. There is no pooled money, no unit price, no redemption queue and no fund manager deciding where your capital goes.

When a loan is ready, we email you its due diligence pack: the property, the borrower, the purpose, the exit, the LVR, the term and the rate. You assess it yourself and tell us whether you'd like to contribute, and how much. There is never any obligation to take a loan.

Yes. The loan agreement is prepared in your name, or your company's or family trust's, and you are named on the mortgage for your exact contribution, alongside HomeSec. The mortgage is registered on the property's title through Land Information New Zealand (LINZ), or a caveat is lodged where that is the security.

Yes, in every loan. HomeSec funds the majority of its loans from its own balance sheet and co-invests its own money in every loan it offers to investors. Its capital sits in the same loan, on the same mortgage, as yours, so it has every reason to lend carefully.

Yes. Loan packs arrive by email, updates come by SMS and email, and you fund by bank transfer at settlement, so co-funders can be anywhere in New Zealand or the world. Our Funding Manager is available 7 days a week by phone, and is happy to talk things through on Zoom.

Returns are 12% to 18% p.a. on the loans you choose. The rate is set loan by loan and shown in each loan's pack before you commit. Established businesses pay a premium for speed, flexibility and short terms, not because they are weak borrowers, and that premium is what you earn.

Directly into your own nominated bank account, not to HomeSec and not into a fund. You are a lender on the loan agreement for your share, so the interest and principal on that share come to you. When a loan repays at maturity, your principal comes back to the same account.

Interest is not subject to GST, because lending money is a financial service and an exempt supply under the Goods and Services Tax Act 1985. It is taxable income, and resident withholding tax applies at the rate that fits you or your entity. Your accountant will confirm your own tax position.

Loans typically run for 1 to 12 months. When a loan matures and is repaid, your principal and interest go straight back to your account, and you decide whether to take the next opportunity. You are never locked into a rolling term or an open-ended fund.

Yes. If you want out early, ask us and HomeSec will buy out your share and repay your principal. You can also stop co-funding at any time: once your current loans are repaid, you simply don't take the next one. There is no redemption queue to join.

There is no pool to freeze and no redemption queue. Your money is in a specific loan, repaid when that loan is repaid, or earlier through HomeSec's buy-out on request. A borrower can repay late; if that happens, we manage it with you and enforce the mortgage if needed.

A registered first or second mortgage over New Zealand residential or commercial real estate, with your name on it. The maximum LVR is 80% on residential property and lower on commercial, which leaves an equity buffer if a property ever has to be sold. Each loan's pack sets out the valuation and the LVR.

No. We only fund straightforward business loans secured against existing New Zealand property. No construction, no development, and no unusual properties that would be slow to sell. That keeps the security simple to value and, if it ever comes to it, simpler to sell.

The mortgage is enforceable through the New Zealand courts and the mortgagee sale process under the Property Law Act 2007. It starts with a default notice giving the borrower not less than 20 working days to put things right. If the property is then sold, the lenders must take reasonable care to obtain the best price reasonably obtainable. HomeSec manages the process with specialist lawyers, with its own money in the same loan.

No. The Depositor Compensation Scheme covers deposits with licensed deposit takers, such as banks, up to $100,000 per depositor at each one. A co-funded loan is not a deposit. What you hold instead is a share of a specific loan, secured by a registered mortgage over property at no more than 80% LVR on residential, with HomeSec's own money in the same loan.

Every loan is assessed against a 50-point due diligence checklist, and both joint CEOs are involved in every lending decision. Only then is a loan offered to co-funders, with a pack setting out the property, the borrower, the purpose, the exit, the LVR, the term and the rate, so you can review it yourself before deciding.

Values can fall: REINZ's house price index dropped about 16% from its late 2021 peak over roughly 18 months. That is why loans are made at today's values, at a maximum 80% LVR on residential property and lower on commercial, for typically 1 to 12 months. A short loan is only ever exposed to a slice of any downturn.

Wholesale investors under the Financial Markets Conduct Act 2013, most commonly eligible investors, or those who meet the investment activity or large tests. Individuals, companies and family trusts can all co-fund, as can investors living overseas. Co-funding opportunities are not offered to retail investors, and each co-funder confirms their status before investing.

You decide, loan by loan. Co-funders choose how much to contribute to each loan, from NZ$100,000, on loans of up to NZ$1 million. There is never any obligation to take a loan, and HomeSec co-invests its own money alongside you in every loan it offers.

You certify in writing that your previous experience acquiring or disposing of financial products lets you assess the merits of an offer, your own information needs and the adequacy of the information provided, and you state the grounds. A financial adviser, qualified statutory accountant or lawyer must confirm the certificate in writing. It is valid for two years.

Yes. The loan agreement and mortgage are prepared in the name of the trustees or the company, and repayments go to the entity's own bank account. The trust or company needs to qualify as a wholesale investor itself. Trustees should check the trust deed allows it and weigh their Trusts Act 2019 duty to invest prudently.

Yes. Everything is done by email, phone and Zoom, and the security is a registered New Zealand mortgage. Interest paid to non-residents is generally subject to non-resident withholding tax, which a double tax agreement can reduce, or the 2% approved issuer levy where the payer is registered for it. Your adviser can confirm your position.