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The offering

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

  • Minimum Investment of $100,000

  • Wholesale investors only

  • No costs or fees deducted

  • Returns are pre-tax

The offering

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

  • Minimum Investment of $100,000

  • Wholesale investors only

  • No costs or fees deducted

  • Returns are pre-tax

The offering

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

  • Minimum Investment of $100,000

  • Wholesale investors only

  • No costs or fees deducted

  • Returns are pre-tax

Finbase provides private investors, family offices and high net worth individuals who meet relevant wholesale investor criteria an investment backed by First Mortgage Security.

Finbase is proud to have never missed an investor interest payment nor suffered a single loss of investor capital. 

Investor Security

Funds are utilised to provide First ranking mortgages to commercial borrowers for the purposes of short term property projects, maximum 12 month term of any loan.

Maximum lending of 60% of property value

Investor Security

Funds are utilised to provide First ranking mortgages to commercial borrowers for the purposes of short term property projects, maximum 12 month term of any loan.

Maximum lending of 60% of property value

Finbase provides private investors, family offices and high net worth individuals who meet relevant wholesale investor criteria an investment backed by First Mortgage Security.

Finbase is proud to have never missed an investor interest payment nor suffered a single loss of investor capital. 

Funds are utilised to provide first ranking mortgages to commercial borrowers for the purposes of short term property projects, maximum 12 month term of any loan.

We allow you to register a security interest against Finbase in respect of the loan as a further safeguard. You can rely on the security interest to recover your loan capital or interest payments in the unlikely event of Finbase being unable to return these funds.

Finbase is proud to have never missed an investor interest payment nor suffered a single loss of investor capital.

For each asset, the amount of funds that can be lent will not exceed 60% of the property’s value. The loan will be secured with a first ranking mortgage and registered on the title to ensure that your funds are secure in times of any market downturn or other unforeseen circumstances.

Investor Security

Registered Security Interest against Finbase

Maximum lending of 60% of property value

Interested to see what our clients invest in? Click below to view recent transactions and investment opportunities that Finbase have provided.

Examples of Our Wholesale Investment Funds

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 were able to lend me sufficient capital for a multi-unit investment. They offered a better solution than competitors and I believe they can see the upside in a deal when other lenders may shy away. I will be back to Finbase and really looking forward to future business.

Jonathan Brownlee

Multi-unit Investor

I have been trading and developing property for over 30 years, Finbase were able to approve my application in record time with the best rates in the market.

Kieran Fitzsimmons

Property Developer

Interested to see what our clients invest in? Click below to view recent transactions and investment opportunities that Finbase have provided.

Examples of Our Wholesale Investment Funds

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 were able to lend me sufficient capital for a multi-unit investment. They offered a better solution than competitors and I believe they can see the upside in a deal when other lenders may shy away. I will be back to Finbase and really looking forward to future business.

Jonathan Brownlee

Multi-unit Investor

I have been trading and developing property for over 30 years, Finbase were able to approve my application in record time with the best rates in the market.

Kieran Fitzsimmons

Property Developer

Investors are provided with a full borrower loan application prior to deciding which loan opportunities they wish to invest in.

Deal Matched Basis

Presentation and Due Diligence

● Finbase presents a loan investment opportunity with an executive summary about the security and borrower. ● You conduct due diligence by asking questions and evaluating the opportunity. ● Based on your evaluation, you decide to approve or decline the opportunity. You have the final say on your investment decisions.

01

Agreement and Documentation

● If the opportunity is approved, Finbase and yourself (or your investment entity) sign a debt security agreement specific to the security property. ● The Borrower signs the loan documentation, personal guarantee, and GSA (if applicable).

02

Fund

Disbursement

● You advance funds to Finbase. ● Finbase registers a First Mortgage security over the property and then advances the funds to the Borrower's Solicitor's Trust account.

03

Interest Payments and Management

● The Borrower pays monthly interest to Finbase. ● Finbase pays you interest monthly (less RWT). ● Finbase sends you a monthly statement and manages all communication with the Borrower, including recovery of any default funds. ● At the end of the loan term, your principal is returned to you.

04

Our Responsible Investing Process

Recent Transaction Examples

Manly, Auckland

First mortgage security

Security description: Residential home on circa 340m² freehold site

CV: $600,000

Loan advance: $322,140

Loan to value ratio (LVR): 54%

Term: 12 months

Interest rate: 11%p.a. paid monthly in arrears

Purpose of funds: Finance and renovate the property

Exit strategy: Sale of the property once renovation completed

Otara, Auckland

First mortgage security

Security description: Residential home on circa 560m² freehold site

CV: $830,000

Loan advance: $426,300

Loan to value ratio (LVR): 51%

Term: 6 months

Interest rate: 11%p.a. paid monthly in arrears

Purpose of funds: Finance and renovate the property

Exit strategy: Sale of the property once renovation completed

Mount Roskill, Auckland

First mortgage security

Security description: Large residential home circa 120m², on cross-lease (freehold) site

CV: $970,000

Loan advance: $473,550

Loan to value ratio (LVR): 49%

Term: 6 months

Interest rate: 11%p.a. paid monthly in arrears

Purpose of funds: Finance and renovate the property

Exit strategy: Sale of the property once renovation completed

Recent Transaction Examples

Investment Portfolio Managers

Director

Pernell Callaghan

Pernell has a sound background in the property industry and an in-depth understanding of property transactions. He is the founder and Director of the national agency Arizto Real Estate, which employs over 150 staff throughout New Zealand. Pernell’s in-depth property trading experience includes trading more than 50 residential properties. He has firsthand knowledge of the key factors contributing to a successful property transaction. ​ Pernell’s management and financial experience extends into the education sector as an alumni and active member of Dilworth School, which has over $1B of assets under management. Additionally, he is the current Treasurer of the Dilworth Old Boys Association.

Director

Hayden Thompson

Hayden is a successful property investor who has been involved in over 60 real estate trade projects in a short space of 3 years, with more than 50 of those transactions occurring in a single calendar year during 2021. He is experienced in raising private capital to fund trade deals and has a thorough understanding of property transactions structured to protect an investor's interests. Hayden has first-hand experience in project managing large renovation projects; designing and consenting property for development; procuring land for other developers; and subdividing blocks of units. Hayden is connected with an excellent network of investors, developers, clients and real estate agents and has an adaptable approach to quickly mitigate risks and adapt to market changes. He is experienced in raising private capital to fund trade deals and has a thorough understanding of property transactions structured to protect an investor's interests. Hayden has first-hand experience in project managing large renovation projects; designing and consenting property for development; procuring land for other developers; and subdividing blocks of units. Hayden is connected with an excellent network of investors, developers, clients and real estate agents and has an adaptable approach to quickly mitigate risks and adapt to market changes.

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© 2023 by Finbase.

Finbase is registered as a Financial Services Provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 of New Zealand. Its registered number is FSP1003560

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