# Investment Opportunities by HomeSec Business Finance (New Zealand)

> HomeSec Business Finance has been lending since 2004 and lends across New Zealand through HomeSec Business Finance Limited (NZBN 9429047936010), 152 Fanshawe Street, Auckland. Through Investment Opportunities (investmentopportunities.co.nz), New Zealand wholesale investors, including eligible investors under the Financial Markets Conduct Act 2013, co-fund individual short to medium term business loans (typically 1–12 months) secured by registered first and second mortgages over New Zealand real estate.

Key facts:
- Not a pooled fund: each investor lends into a specific loan they choose from a due diligence pack, and is named on the registered mortgage for their exact contribution.
- HomeSec co-invests its own money in every loan offered to investors and funds most of its lending from its own balance sheet.
- Returns: 12% to 18% p.a., set loan by loan. Principal and interest are paid directly to the investor's own bank account.
- Security rules: maximum 80% LVR on residential property, lower on commercial; first and second mortgages; no construction or development loans; both joint CEOs involved in every loan decision.
- Loan sizes and amounts: New Zealand loans are up to NZ$1 million. Investors choose how much to put into each loan, from NZ$100,000.
- Exit: repaid at loan maturity; HomeSec will buy out an investor's share early on request. No redemption queues or fund freezes.
- Eligibility: wholesale investors (individuals, companies and family trusts), most often through an eligible investor certificate confirmed by a financial adviser, qualified statutory accountant or lawyer.
- New Zealand investors co-fund New Zealand loans; Australian investors co-fund Australian loans through the sister site, Investor Opportunities (investoropportunities.com.au).
- Office: 152 Fanshawe Street, Auckland 1010. Investor line: 09 888 6550.
- People: Paul Stone (Joint CEO & Founder), Jason Brockmuller (Joint CEO), Catriona Anderson (Group General Manager).

## Core guides
- [Mortgage funds vs direct mortgage investment in New Zealand: the real difference](https://www.investmentopportunities.co.nz/direct-mortgage-investment-vs-pooled-funds/): Mortgage fund NZ or direct mortgage investment? Who picks the loans, why pooled funds freeze, what 2008 and Du Val taught investors, and the direct option.
- [High net worth investment opportunities in NZ, held directly and in your own name](https://www.investmentopportunities.co.nz/family-offices-and-high-net-worth-investors/): High net worth investment opportunities in NZ for family offices: pick each secured loan from its pack, hold it 1 to 12 months, and stay named on the mortgage.
- [Family trust investment in NZ: co-funding secured loans through a trust or company](https://www.investmentopportunities.co.nz/family-trusts-and-companies/): Family trust investment in NZ: how trustees and companies co-fund secured loans in their own name, the Trusts Act 2019 duties, and how the interest is taxed.
- [First mortgage investment in NZ: what first and second ranking mean for your capital](https://www.investmentopportunities.co.nz/first-and-second-mortgage-investments/): First mortgage investment in NZ explained: how priority on a LINZ title works, why registration matters, and what shields a second ranking lender.
- [Getting your money out: how co-funded capital comes back to you](https://www.investmentopportunities.co.nz/getting-your-money-back/): Getting your money out of an investment in NZ: loans repay to your account at maturity, HomeSec can buy your share early, and there is no fund to freeze.
- [Private credit and mortgage investment glossary for New Zealand investors](https://www.investmentopportunities.co.nz/glossary/): A plain-English private credit and mortgage investment glossary for NZ: LVR, eligible investors, Record of Title, mortgagee sales, RWT and redemption freezes.
- [How private mortgage investment works in New Zealand](https://www.investmentopportunities.co.nz/how-it-works/): Private mortgage investment NZ, step by step: the loan pack in your inbox, your name on a LINZ-registered mortgage, and repayments paid to your own account.
- [The New Zealand property market in 2026: what the numbers show](https://www.investmentopportunities.co.nz/new-zealand-property-market/): The New Zealand property market in 2026: a 16% fall from the 2021 peak, flat prices since, a North–South split, and why an 80% LVR and short terms matter.
- [Our lending rules: what every New Zealand loan must pass before you see it](https://www.investmentopportunities.co.nz/our-lending-rules/): Private lending criteria NZ co-funders can check: registered first or second mortgages, loans up to NZ$1 million, 80% max LVR, 1 to 12 month terms.
- [How to invest in New Zealand mortgages from overseas, wherever you live](https://www.investmentopportunities.co.nz/overseas-investors/): Invest in New Zealand mortgages from overseas: how expat Kiwis and offshore families co-fund secured NZ loans, and how NRWT or the AIL applies to interest.
- [High yield investment in New Zealand: how secured loans earn 12% to 18% p.a.](https://www.investmentopportunities.co.nz/returns/): High yield investment in NZ, secured by property: what earns 12% to 18% p.a., what each loan's rate depends on, and the gap to a 4% bank term deposit.
- [Is private mortgage investment safe in New Zealand? The risks, and how each one is managed](https://www.investmentopportunities.co.nz/risks-and-protections/): Is private mortgage investment safe in NZ? The real risks, from default to falling values, and the protections built into every loan HomeSec offers investors.
- [Wholesale investment opportunities in NZ: who qualifies under the FMC Act](https://www.investmentopportunities.co.nz/wholesale-investors/): Wholesale investment opportunities in NZ: the FMC Act categories, becoming an eligible investor, investing via a trust or company, and what happens next.

## Insights
- [Term deposit alternatives in New Zealand, ranked by risk](https://www.investmentopportunities.co.nz/insights/alternatives-to-term-deposits/): Term deposit alternatives in NZ ranked by risk: Kiwi Bonds, PIEs, finance companies, P2P, mortgage funds and co-funded secured loans at 12% to 18% p.a.
- [Can a family trust invest in private mortgages in NZ? The Trusts Act, the paperwork and the tax](https://www.investmentopportunities.co.nz/insights/can-a-family-trust-invest-in-private-mortgages/): Can a family trust invest in private mortgages in NZ? Yes, if the deed allows: the Trusts Act 2019 duties, whose names go on the mortgage and how it is taxed.
- [Can I get my money out of a mortgage fund in NZ? Where you stand and what to do](https://www.investmentopportunities.co.nz/insights/can-i-get-my-money-out-of-a-mortgage-fund/): Can I get my money out of a mortgage fund in NZ? How to read the deed, who acts for investors, what to ask the manager and how to stay liquid next time.
- [Contributory mortgage vs pooled mortgage fund in NZ, and where direct co-funding fits](https://www.investmentopportunities.co.nz/insights/contributory-vs-pooled-mortgage-funds/): Contributory mortgage vs pooled mortgage fund in NZ: how lawyers' nominee schemes, managed funds and direct co-funding differ on security, control and exit.
- [The Du Val collapse: what happened, and what investors can learn](https://www.investmentopportunities.co.nz/insights/du-val-collapse-what-happened/): The Du Val collapse explained: three FMA warnings, statutory management of about 70 entities, what investors may recover, and the lessons for investors.
- [How to get an eligible investor certificate in New Zealand](https://www.investmentopportunities.co.nz/insights/eligible-investor-certificate/): Eligible investor certificate in NZ: what it must contain, who can confirm it, how long it lasts, what the 2025 High Court ruling means, and how to get one.
- [First vs second mortgage investment in New Zealand: ranking, risk and return](https://www.investmentopportunities.co.nz/insights/first-vs-second-mortgage-investments/): First vs second mortgage investment in NZ: how ranking and total LVR decide who is repaid, a worked NZ$ example, and the lesson from Strategic Finance.
- [How private credit returns are generated in New Zealand: where the interest starts and where it ends up](https://www.investmentopportunities.co.nz/insights/how-private-credit-returns-are-generated/): How private credit returns are generated in NZ: who pays 12% to 18%, why bank credit leaves a gap, what a fund may keep, and how to trace the rate you earn.
- [Reading a loan due diligence pack: what New Zealand investors should check](https://www.investmentopportunities.co.nz/insights/how-to-read-a-loan-due-diligence-pack/): How to read a loan due diligence pack in NZ: the Record of Title, valuation, LVR and exit, what each should show, and the questions to ask before you fund.
- [Is private credit safe in NZ? A 10-question test for investors](https://www.investmentopportunities.co.nz/insights/is-private-credit-safe/): Is private credit safe in NZ? What the finance company collapses and Du Val taught investors, plus a 10-question test to score any private credit offer.
- [LVR explained for New Zealand mortgage investors: why HomeSec stops at 80%](https://www.investmentopportunities.co.nz/insights/lvr-explained-for-mortgage-investors/): LVR explained for NZ mortgage investors: how loan-to-value ratio sets your equity buffer, how the RBNZ bank limits compare, and why 80% is our ceiling.
- [New Zealand finance company collapses: what went wrong, and what investors can learn](https://www.investmentopportunities.co.nz/insights/new-zealand-finance-company-collapses/): New Zealand finance company collapses, 2006 to 2012: 51 companies, about 200,000 investors, the patterns they shared and how to spot them in 2026.
- [New Zealand house price crash history: how far prices have fallen, and what lenders take from it](https://www.investmentopportunities.co.nz/insights/new-zealand-property-downturns-history/): New Zealand house price crash history: the late 1970s, the GFC and the 16% fall from the 2021 peak, how long recovery took, and why it matters to lenders.
- [Private credit in New Zealand: a 2026 guide for wholesale investors](https://www.investmentopportunities.co.nz/insights/private-credit-new-zealand-guide/): Private credit NZ in 2026: why businesses borrow outside the banks, how New Zealand investors take part, where losses come from and how to test an offer.
- [12 questions to ask before investing in a mortgage fund in NZ (and our answers)](https://www.investmentopportunities.co.nz/insights/questions-to-ask-a-private-credit-manager/): Questions to ask before investing in a mortgage fund in NZ: scheme or wholesale offer, certificates, related-party loans, development and redemption terms.
- [Investing vs buying a business in New Zealand: a franchise, or secured income?](https://www.investmentopportunities.co.nz/insights/secured-lending-vs-buying-a-business-or-franchise/): Investing vs buying a business in NZ: what NZ$500,000 does in a franchise or small business compared with secured loans, in hours, income, risk and exit.
- [Short term investments in NZ: where a large sum can wait 1 to 12 months](https://www.investmentopportunities.co.nz/insights/short-term-investments-for-large-balances/): Short term investments NZ: where to hold a large sum for 1 to 12 months after selling a business, farm or property, from Kiwi Bonds to secured loans.
- [Mortgagee sales in New Zealand: what happens when a secured loan goes into default](https://www.investmentopportunities.co.nz/insights/what-happens-if-a-borrower-defaults/): Mortgagee sale NZ, explained for investors: what happens if a borrower defaults, the Property Law Act 2007 notice, the duty on price and who is repaid first.
- [Redemption freezes explained: how New Zealand mortgage funds came to be frozen](https://www.investmentopportunities.co.nz/insights/what-is-a-redemption-freeze/): What is a redemption freeze? How a mortgage fund gets frozen, what happened to NZ funds and finance companies in 2008, and a structure with no pool to freeze.
- [Where to invest $1 million in New Zealand, and the part secured income can play](https://www.investmentopportunities.co.nz/insights/where-to-invest-1-million-new-zealand/): Where to invest $1 million in NZ: what it earns in deposits, Kiwi Bonds and secured loans in 2026, how investors divide it, and who qualifies as wholesale.
- [Wholesale vs eligible investor in NZ: the categories in plain English](https://www.investmentopportunities.co.nz/insights/wholesale-vs-eligible-investor/): Wholesale vs eligible investor in NZ explained: every FMC Act category side by side, retail vs wholesale, safe harbour certificates and the $750,000 test.

## Other
- [About HomeSec](https://www.investmentopportunities.co.nz/about/)
- [FAQ](https://www.investmentopportunities.co.nz/faq/)
- [Register interest](https://www.investmentopportunities.co.nz/register-interest/)
- [Full text for AI assistants](https://www.investmentopportunities.co.nz/llms-full.txt)