First mortgage investments

We offer Wholesale Investors attractive returns that are secured by first ranking mortgages over a diversified selection of New Zealand Real Estate.

ABOUT FINBASE

We're local.

Finbase is 100% New Zealand owned and operated, with our Head Office located in Epsom, Auckland. 
We specialise in offering wholesale investors attractive return investment opportunities that are secured by first ranking mortgages over New Zealand real estate.

$530K
Average loan size
170
Loans under management
44%
Average LVR
$0
Loss of funds

Choose your way to invest

We offer two different investment options, tailored to our investor's specific risk and return profile

Single investment

Hand pick investment opportunities, that fit with your investment goals

Personally choose the opportunity and the security asset to lend against

Fixed Return of 11 - 12%p.a. paid monthly

Minimum investment of $100,000

PIE fund

Pooled funding managed by Public Trust, with maximum tax rate capped at 28%

Diversified portfolio of first ranking mortgages across NZ Real Estate

Targeted return of 9%p.a. paid quarterly

Minimum investment of $10,000

Recent investment opportunities

Pokeno, Auckland
Loan Amount:
$500,000
LVR:
44%
Term:
12 months
Pokeno, Auckland
Loan Amount:
$500,000
LVR:
44%
Term:
12 months
Pokeno, Auckland
Loan Amount:
$500,000
LVR:
44%
Term:
12 months
Pokeno, Auckland
Loan Amount:
$500,000
LVR:
44%
Term:
12 months
Invest with Finbase
PORTFOLIO MANAGERS

We invest in the best

Our team have been hand-picked for their talent, experience and track record of success.

Image of Pernell Callaghan
Pernell Callaghan
Director
Image of Hayden Thompson
Hayden Thompson
Director
Image of Jordan Evans
Jordan Evans
Investment Manager
Image of Eliza Howie
Eliza Howie
Finance Manager
Image of Pernell Callaghan
Pernell Callaghan
Director
Image of Hayden Thompson
Hayden Thompson
Director
Image of Jordan Evans
Jordan Evans
Investment Manager
Eliza Howie
Finance Manager

Our Company is continuously investing with Finbase who provide us with 1st Mortgage investments, with safe LVRs and very competitive returns. Agreements and statements are well formulated and state of the art. We are very happy to work with Finbase to safely invest our surplus cash for great returns and can fully recommend this Finance Company to fellow wholesale investors.

Lars Goran

Investor and Financier

I have recently started investing with Finbase. The returns are great and the whole experience has surpassed my expectations. The management team is highly professional, responsive, and knowledgeable. Finbase's transparency and risk management are excellent. I usually don't write reviews, but having such a great experience made me want to recommend Finbase to other investors looking for a reliable and good returns.

Callum Mckenzie

Investor and Financier

Having been involved in commercial banking and property lending for decades, the Finbase product is the most straightforward, easy-to-deal-with option available.

Vedran Stojanovich

Investor and Financier

Investor FAQs

What is a wholesale investor?

A wholesale investor is a person or company that has an understanding of the financial markets, has invested in similar investments before, and meets the legal criteria of what is considered a wholesale investor: Read more here.

The purpose of requiring investors to be classified as wholesale investors is to ensure that they are investing with sufficient knowledge and experience to understand the risks associated with this type of investment.

What is Finbase's track record loss of investor capital?

Finbase has a strong track record of preserving investor capital and has not experienced any loss of investor capital or interest to date. We have strict risk management policies and procedures in place. Past performance is not a guarantee of future success.

What is a first mortgage?

A first mortgage is a loan secured against the borrower's primary asset, such as a house or commercial property. The lender is given priority over any other creditors. In the event of default, the lender has the right to repossess and sell the property in order to recoup their losses.

What exactly am I investing in? Is it real estate or the loan?

You are investing in a loan secured against real estate. The loan is an asset-backed investment, which means that the invested funds are secured with a first ranking mortgage over the property used as security. Investors receive interest payments on their capital at regular intervals or as agreed upon by Finbase and the investor prior to making the investment.

What type of borrowers are these funds being lent to?

Finbase lends funds to companies, trusts and individuals with experience in dealing with real estate. We also lend funds to developers for the purpose of bridging or refurbishing existing properties. We carefully assess each borrower’s asset and loan requirements before any loan is approved, and we only offer loans that we deem suitable for our investors.

What is the maximum Loan-to-value Ratio you lend up to?

The maximum LVR we lend up to is 60% of the property value. This helps to ensure that investor capital is secure in times of any market downturn or other unforeseen circumstances.

Is Finbase a Registered Financial Service Provider?

Yes, Finbase is a Registered Financial Service Provider (FSP1003560). We are registered with the Financial Markets Authority and work to comply with all applicable laws.

Ready to invest?
Let's talk.

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11-12% p.a.

interest paid monthly (less RWT)

3-12 month

month investment terms

Secured

by New Zealand assets