Investor insights
Private credit, explained by a lender.
Plain-English guides on where to put capital in New Zealand in 2026 — from redemption freezes and the finance company collapses to family trusts and the eligible investor rules. Written and reviewed by the team at HomeSec Business Finance, lending since 2004.
Pillar guide
Private credit in New Zealand: a 2026 guide for wholesale investors
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.
Read the guidePrivate credit in 2026: risks, freezes and collapses
Is private credit safe in NZ? A 10-question test for investors
Redemption freezes explained: how New Zealand mortgage funds came to be frozen
Can I get my money out of a mortgage fund in NZ? Where you stand and what to do
The Du Val collapse: what happened, and what investors can learn
New Zealand finance company collapses: what went wrong, and what investors can learn
12 questions to ask before investing in a mortgage fund in NZ (and our answers)
Private credit in New Zealand: a 2026 guide for wholesale investors
How mortgage investing works
Contributory mortgage vs pooled mortgage fund in NZ, and where direct co-funding fits
First vs second mortgage investment in New Zealand: ranking, risk and return
Mortgagee sales in New Zealand: what happens when a secured loan goes into default
LVR explained for New Zealand mortgage investors: why HomeSec stops at 80%
Reading a loan due diligence pack: what New Zealand investors should check
How private credit returns are generated in New Zealand: where the interest starts and where it ends up
New Zealand house price crash history: how far prices have fallen, and what lenders take from it
Where to put your capital
Term deposit alternatives in New Zealand, ranked by risk
Where to invest $1 million in New Zealand, and the part secured income can play
Short term investments in NZ: where a large sum can wait 1 to 12 months
Investing vs buying a business in New Zealand: a franchise, or secured income?
Wholesale investors & family trusts
Core guides
- Family trust investment in NZ: co-funding secured loans through a trust or company
- First mortgage investment in NZ: what first and second ranking mean for your capital
- Getting your money out: how co-funded capital comes back to you
- High net worth investment opportunities in NZ, held directly and in your own name
- High yield investment in New Zealand: how secured loans earn 12% to 18% p.a.
- How private mortgage investment works in New Zealand
- How to invest in New Zealand mortgages from overseas, wherever you live
- Is private mortgage investment safe in New Zealand? The risks, and how each one is managed
- Mortgage funds vs direct mortgage investment in New Zealand: the real difference
- Our lending rules: what every New Zealand loan must pass before you see it
- The New Zealand property market in 2026: what the numbers show
- Wholesale investment opportunities in NZ: who qualifies under the FMC Act
- Private credit & mortgage investment glossary
Wholesale & eligible investors
See what a loan pack looks like
Register your interest and our Funding Manager will be in touch during business hours — usually for a short call or Zoom to understand what you're looking for. No obligation, and you never have to take a loan you don't like.