Investing With Us
Partner with us on first mortgage secured investment to enhance your lifestyle. Steady, transparent, and flexible.
Minimum $10,000* investment from 5.50% p.a.*
*Subject to change and availability
I am very happy with the rates and with the service, so it has been a pleasure dealing with your company. I look forward to even greater involvement in the future.
Robin – Auckland
How our investments work
We work with a network of mortgage advisers across New Zealand to find people looking for property lending. When a borrower’s application meets our rigorous checks, we fund the loan ourselves before making it available to investors. Registered investors can choose to invest in all or part of these loans through our secure online portal.
Every loan is backed by a registered first mortgage, with monthly interest payments and no ongoing fees – apart from tax. All loans are fully managed by Southern Cross Partners on behalf of investors.
Each investor is allocated an On Call account earning 1.00% p.a. with the rate linked to the Official Cash Rate and subject to change.
Southern Cross Partners Ltd is licensed to provide peer-to-peer lending services under the Financial Markets Conduct Act 2013. View our licence here.
Ready to get started?
If you'd like to explore becoming an investor with Southern Cross Partners, we’re here to help you take the next step.
Speak to one of our investment team about our peer-to-peer investments
How we source investments
We have a specialist lending team dedicated to sourcing high-quality loan opportunities for our investors. We focus on short-term, customised lending solutions that help Kiwis secure better opportunities.
There are no impersonal algorithms here. Every loan application is reviewed in detail by our team. We put faces to numbers and keep people at the heart of everything we do. We work closely with trusted financial advisers, and most of our applications come through advisers we’ve partnered with before.
Once a loan application passes our rigorous internal approval process, we provide funds to the property owner. Then, we list the opportunity on our investor portal for you to invest.
This cycle of finding quality loans and offering them to investors keeps our business in balance.
Loan approval criteria before it hits our investor portal
A clear exit
How a person is going exit their loan with us, at a set time
Type of security
The property offered as security for the loan
Loan to value ratio
The percentage the loan amount is, against the property value
Loan Approval criteria before it is offered to investors
Borrower
Who we are lending to, what is their background and what is the loan purpose.
Security Property
The property offered as security for this loan, its type, location and LVR.
A Clear Exit
Does the borrower have a viable and achievable exit from our loan in the timeframe required.
Frequently asked questions
Your investment is backed by specific loans secured against properties you select. Unlike a term deposit, your investment isn’t tied to a fixed monthly term – it’s linked to the life of the chosen loan.
Every loan offered to investors is secured by a registered first mortgage. These mortgages are held by our Trust Company – Loan Investment Trustees Limited – on behalf of each investor in that loan.
We accept the following types of property as security:
- Residential homes
- Commercial properties
- Apartments
- Bare land
- Lifestyle blocks
- Construction and renovation projects
To determine the value of a security, we use one or more of the following:
- Valuation from a registered valuer
- Real estate appraisal
- Comparative Market Analysis (CMA)
- Sales & Purchase agreement
- Capital or rateable value
For some applications, Southern Cross Partners may also request additional documents such as a building inspection report and conduct a physical site visit.
To find out more about our valuation methods click here.
Defaults from borrowers are rare, but we take them seriously and have a robust management process. Learn more here.
Every investment carries some risk, and property-backed lending is no exception. We take a conservative approach, but factors like market shifts, borrower circumstances, and economic changes can still impact returns.
Learn more about risks here.
All registered investors have access to our online investment portal.
Click here for more details on how to register
Yes, we offer wholesale investments to people who meet the criteria.
Click here to find out more
Why invest with us?
With nearly three decades of proven experience and credibility, we offer investments backed by tangible property security. Enjoy a flexible, transparent investment option designed to deliver steady, enhanced financial returns.