01 / Wholesale investors
Capital first.
First-ranking security over New Zealand property, generally conservative leverage and regular monthly interest distributions.
How we investIndependent property finance · Aotearoa
Grounded in
experience.
First-mortgage opportunities for wholesale investors. Agile property lending for borrowers. One experienced Auckland team.
Kensington Finance
Property insight.
Personal decisions.
Kensington is an independent, family-run non-bank lender based in Mt Eden, Auckland. We connect wholesale capital with carefully assessed property lending across New Zealand.
Founder Neil Dowsett has worked in non-bank property finance since 1991 and remains personally involved in every investment and loan. That experience is matched by a small team spanning finance, accounting and law.
Read our story02 / Property borrowers
Move with clarity.
Commercial, rural and residential property finance with direct access to the people making the decision.
How we lend
Since ’91Experience in non-bank property finance
<70%Usual maximum loan-to-value ratio
1stRegistered mortgage security
NZ wideCommercial, rural and residential property
Our philosophy
Protect capital first. Pursue return second.
Every opportunity is assessed against the property as it stands today—not a forecast. First-ranking security, disciplined leverage and robust legal documentation form the foundation.
See the investment approachThe people behind the decisions
Small by design.
You deal with experienced people who know the transaction, understand the property and remain involved.
Neil Dowsett
Founder & CEO
Shirley Lu
Chartered Accountant
Ben Dowsett
Director of Finance
A direct conversation