Our team
An experienced
partner for you
Our team have been hand-picked for their talent, experience and track record of success.
Our team
Our team have been hand-picked for their talent, experience and track record of success.
Finbase is 100% New Zealand owned and operated. We specialise in offering wholesale investors attractive returns backed by first mortgage security over New Zealand Real Estate.*
No investor has ever lost capital investing with Finbase, and we have consistently made 100% of interest payments on time to our investors.
Please note that past performance is not a reliable indicator of future performance.
Finbase is 100% New Zealand owned and operated. We specialise in offering wholesale investors attractive return investment opportunities.
Our team have been hand-picked for their talent, experience and track record of success.
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Pernell is a Co-Founder and Managing Director of Finbase, leading Finbase’s strategic direction, institutional partnerships, and growth initiatives with a focus on delivering consistent performance across the portfolio.
Pernell founded and successfully exited one of New Zealand’s largest second-mortgage lenders, managing over $100 million in assets. He founded and is a Director of Arizto, a national tech-enabled Real Estate firm employing more than 350 staff.
Pernell served as Treasurer of the Dilworth Old Boys’ Association, supporting one of New Zealand’s largest educational institutions, with over $1 billion in managed assets.
Hayden is a Co-Founder and Managing Director of Finbase, bringing deep, hands-on experience from the frontline of New Zealand’s property market. He began his career as a qualified electrician before moving into property investment, where he built a track record buying, renovating, and selling residential and commercial assets.
Through completing more than 60 property projects, Hayden successfully raised capital and developed trusted relationships with agents, valuers, developers, and private investors - several of whom went on to become early backers of Finbase.
At Finbase, Hayden oversees business operations and closely monitors credit and loan approvals, applying a rigorous, real-world approach to risk assessment.
Mike is an experienced financial executive and Chartered Accountant with a career spanning three decades in banking, investment, and financial services in New Zealand and offshore. As CFO, he oversees Finbase’s financial operations, reporting, and governance frameworks, ensuring the business remains secure, scalable, and fully compliant.
Mike has led finance teams at some of the country’s most recognised institutions, delivering complex reporting, regulatory change, and operational restructuring. He has a proven track record in managing multi-entity structures, leading risk and audit functions, and implementing robust systems in highly regulated environments. With a collaborative leadership style and a focus on integrity, Mike plays a key role in supporting Finbase’s continued growth and investor confidence.
John is a highly experienced financial services executive with over 40 years in the industry. He brings deep expertise across investment management, regulatory strategy, strategic marketing, and business transformation, with a strong focus on customer outcomes and long-term value creation.
Throughout his career, John has played a pivotal role in shaping the direction of financial services in New Zealand — from co-founding successful businesses to leading major industry initiatives and advising on regulatory change. As Strategic Board Advisor, he provides Finbase with high-level guidance, drawing on decades of leadership and insight to support sustainable growth and sound governance.
Jordan's role is to ensure that Finbase investors are regularly updated with new funding opportunities, and are kept informed of any trends or changes that are happening in the marketplace
He draws on 16 years of experience across the finance industry, technology and sales. Jordan is passionate about understanding our client’s individual investing requirements, and tailoring a solution to fit.
If you are someone who is considering investing with Finbase, Jordan will be your first point of call.
With a background in financial analysis, investor education, and operational leadership, Ming supports Finbase’s investment operations with a calm, client-focused approach. He works closely with New Zealand’s Chinese community, building trusted relationships through clear communication and a strong understanding of investor needs.
Fluent in both Mandarin and English, Ming holds a Master’s in Financial Analysis and brings deep insight into the investment landscape. He plays an important role in the way we grow and connect with our investor community at Finbase.
Ben brings over a decade of experience in commercial property and investment, with a track record of managing high-value transactions across a wide range of asset types. Known for his strategic mindset and clear communication, he works closely with internal teams and investors to support strong outcomes.
He holds a degree in Valuation and Property Management and has worked across sales, syndication, and portfolio management. At Finbase, he focuses on building trusted relationships and supporting well-informed investment decisions through every stage of the process.
Rhys leads our risk and compliance team at Finbase, ensuring robust frameworks are in place to support our continued growth and regulatory responsibilities. With experience across funds management, property, and financial services, he brings deep expertise in operational risk, compliance systems, and governance.
He has held leadership roles across both New Zealand and Australian markets, including oversight of licensed entities, AML/CFT regimes, and regulatory reporting. Rhys plays a critical role in safeguarding the way we work and ensuring we continue to meet the highest standards of integrity and trust.
Brenda is a seasoned property lending specialist with over 20 years of experience in New Zealand’s financial sector. Complimenting her extensive industry experience, she holds qualifications in economics.
At Finbase, she oversees property due diligence and credit risk assessments for residential, commercial, and rural loan opportunities, ensuring each loan aligns with our strict lending criteria.
Nelson has over 20 years of expertise in banking and property finance across Australia and New Zealand. His experience includes 9 years at Macquarie Bank, and 10 years at one of Australia’s largest second-tier lenders.
At Finbase, he oversees property due diligence and credit risk assessments for residential, commercial, and rural loan opportunities, ensuring each loan aligns with our strict lending criteria. Nelson plays a key role in maintaining the quality of our loan book and ensuring our clients receive the best service possible.
David is part of the credit team at Finbase, with responsibility for assessing, structuring, and managing commercial lending opportunities. With extensive experience in property finance, banking, and portfolio management, he brings a detailed, analytical approach to lending decisions and credit assessment.
He has worked across a wide range of transactions - including commercial developments and construction projects - with a strong focus on risk management, financial modelling, and due diligence. Known for his clear communication and collaborative style, David plays a key role in supporting sound lending practices and helping Finbase deliver well-structured finance solutions.
Eliza is the head of Finbase’s Financial team.
Her role is to manage all our financial operations, processes and reporting. She is dedicated to ensuring that our financial systems and business operations run efficiently and seamlessly.
She brings 8 years of experience as the Group Office Manager at one of NZ's largest finance companies. Her expertise spans startups, SMEs, and corporations domestically and internationally.
Lucy supports the Finbase investment team with key administrative tasks, ensuring investor records are accurate and documentation is always up to date.
She brings experience across investment operations, compliance, and data analysis, with a strong background in finance and analytics.
Lucy holds a Master’s degree in Analytics and uses her technical skillset to support accuracy, efficiency, and high standards across our investment processes.
Karina is an experienced Investment Administrator with more than decade of experience working in financial institutions, both in New Zealand and international settings.
She is responsible for the contractual, administrative and documentation filing of the investor's portfolios, and ensures our systems are always up to date.
Along with her wealth of experience, Karina holds international and domestic qualifications in Business Administration and Applied management.
Wilson supports the financial operations at Finbase by managing accounts administration, reconciliations, and reporting processes. With a background in both commercial and property finance, he brings strong technical skills and a meticulous approach to financial accuracy.
He has worked across a range of finance and accounting functions, including invoicing, month-end reporting, GST reconciliation, and system-based cash flow tracking. Wilson holds a Bachelor of Commerce and a Master of Property Practice from the University of Auckland. He applies a thoughtful, detail-driven approach to his work, ensuring our financial records are accurate, up to date, and well-managed.
Shafiona provides essential administrative support at Finbase, ensuring smooth day-to-day operations and maintaining accurate records across key business functions. She plays a crucial role in documentation management, account administration, and system updates, helping to keep processes running efficiently.
With a background in administration, accounts, and customer service across various industries, Shafiona brings strong organisational skills and a proactive approach to her work. She is dedicated to supporting the team and contributing to a seamless experience for both colleagues and clients.
Jack is the head of our loan origination team.
He has more than two decades of experience in the non bank lending industry across both New Zealand and Australia.
Jack is extremely well connected among mortgage advisors and aggregators, and promotes communication between them and Finbase.
He aims to facilitate smoother and quicker interactions for everyone.
Matt works closely with Finbase investors, keeping them informed about new funding opportunities and market developments. With a strong background in lending and business development, he understands what investors look for and ensures they have the information they need to make confident decisions.
With over a decade of experience in finance, Matt is skilled at building long-term relationships and tailoring investment opportunities to suit individual needs. Whether you’re new to Finbase or a returning investor, he’s here to help you navigate the process.
Nikki leads the people and culture function at Finbase, supporting a workplace where high performance, trust, and collaboration thrive. With extensive experience in people leadership, organisational development, and client-facing roles, she is focused on building a culture that enables people to do their best work.
Nikki is responsible for the implementation and execution of our people strategy across the business. She brings a unique blend of commercial and people-focused expertise, having worked across finance and investment management. With a background in accounting and a proven ability to build engaged, high-performing teams, Nikki plays a central role in shaping the way we work and grow together at Finbase.
Omali is an experienced Loan Management Officer with extensive banking experience in both New Zealand and international settings.
She manages the administration of all of Finbase's loans, effectively running our loan software system and ensuring all compliance requirements are met.
Omali holds international and domestic qualifications in Banking, Finance, and Financial Services specialising in Residential Lending.
Shanice is responsible for the efficient administration of Finbase’s loan portfolio, ensuring all records are accurate and compliance requirements are met. She plays a key role in managing loan settlements, liaising with solicitors, and maintaining seamless communication between all stakeholders.
With over a decade of experience in financial services, credit administration, and customer engagement, Shanice brings a detail-oriented and proactive approach to her role. Her strong background in accounts, loan processing, and compliance ensures that Finbase’s loan operations run smoothly.
Kirsten plays a key role in supporting Finbase’s loan operations, managing documentation, settlements, and day-to-day compliance requirements. With over nine years of experience in financial services, she brings a strong background in loan processing, customer service, and business administration.
Kirsten holds a Bachelor of Arts and a Certificate in Business Administration and Computing, and is known for her organised, efficient approach and clear communication across all stages of the lending process.
Khusbu is responsible for the administration of Finbase's loan portfolio, working across settlements, compliance, and borrower communications.
Khusbu has more than four years of dedicated experience in loan management and over a decade of experience in the financial services. Her background in loan processing, compliance, deep understanding of AML and credit processes ensures that Finbase's loan operations run smoothly and efficiently.
Ave is responsible for the administration of Finbase’s loan portfolio, supporting settlements, managing documentation, and ensuring compliance processes are followed with care and accuracy. She plays a key role in maintaining clear communication between internal teams, solicitors, and borrowers.
With over eight years of experience as a legal secretary and paralegal, Ave brings deep knowledge of financial and legal administration. Her background spans property law, corporate and commercial law, and banking and finance - enabling her to navigate complex documentation and regulatory requirements with confidence.
Tegan leads Finbase’s marketing team, where she oversees and has final sign-off on all marketing channels, ensuring information is accurate, engaging, and relevant.
Tegan’s marketing expertise is fundamental in generating a steady supply of quality investment opportunities.
She has a decade of hands-on experience in marketing, event management and customer service. In addition to this, she has recently completed her postgraduate studies in marketing at Auckland University of Technology.
Brendon is Finbase’s anti money laundering compliance officer.
He brings over 7 years of expertise in real estate, management and AML compliance to Finbase.
His role is to ensure AML compliance programmes and risk assessments are adhered to, manages the AML audit process, and ensures our clients complete their customer due diligence (CDD) to meet acceptable standards.
Our Company is continuously investing with Finbase who provide us with investments, supported by conservative 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 invest our surplus cash for great returns and can fully recommend this Finance Company to fellow wholesale investors.
Lars Palmgren
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
Finbase offers investments only to selected wholesale investors
The fixed rates we offer for Single investment could change in the future