Questions,
answered directly.

Kensington only offers investment opportunities to wholesale investors as defined by the Financial Markets Conduct Act 2013. Retail investor applications are not considered or accepted. If you are unsure whether you qualify, speak with your lawyer or financial adviser.

Kensington arranges investments in loans secured by a first registered mortgage over commercial, rural or residential New Zealand property. Loans are individually assessed and are usually structured for shorter terms.

The approach combines first-ranking property security, lending against current ‘as-is’ value, robust legal documentation and generally conservative loan-to-value ratios below 70%. Every opportunity still carries risk and should be independently assessed.

As at 26 August 2026, the usual range on first-mortgage investments is 6.5–10.5% per annum, depending on market conditions and the particular mortgage. Interest is generally distributed monthly. Returns are not guaranteed and past performance is not a reliable indicator of future results.

Complete the investor enquiry form with your preferred investment bracket. The team will contact you to confirm wholesale eligibility and explain suitable opportunities and documentation.

Kensington considers commercial, rural and residential property throughout New Zealand. Every application is assessed on its own circumstances and the strength of the proposed security.

Straightforward applications can often receive an initial decision within 24 hours once the team has the essential property and loan information. Timing varies by transaction.

Kensington focuses primarily on the current value and quality of the security property. That can offer more flexibility than traditional bank income tests, although lending criteria, fees and charges still apply.

Rates, fees, loan size and term are tailored to the security and transaction. Loans are commonly short term, with the exact offer confirmed after assessment.

You speak directly with Kensington’s small decision-making team. The same people who assess the opportunity remain involved through documentation and settlement.