First-ranking security
Your investment is secured through a first registered mortgage over New Zealand property.
For wholesale investors
Confidence starts with the security.
Kensington offers individually assessed first-mortgage investment opportunities secured over commercial, rural and residential New Zealand property.
The investment principle
Protect capital first.
We assess the property as it stands today, keep leverage generally conservative, and support each mortgage with robust legal documentation. Our leadership team invests alongside investors in the majority of Kensington loans.
Conservative leverage
Loan-to-value ratios are generally below 70%, assessed against current property value.
As-is value
Decisions are grounded in the property’s present condition and value—not forecasts or hype.
Legal rigour
High-quality documentation is prepared with the legal team supporting each transaction.
Aligned interests
Kensington’s leadership invests in the majority of loans alongside wholesale investors.
Direct access
A small decision-making team stays close to the opportunity from assessment onward.
Current usual range
6.5–10.5% p.a.
As at
Returns shaped by the opportunity.
The rate depends on market conditions and the particular mortgage investment. Interest is generally distributed monthly, with Resident Withholding Tax deducted at the investor’s specified rate.
Returns are not guaranteed. Past performance is not a reliable indicator of future results.
The process
Clear at every step.
- 01
Confirm eligibility
We first confirm that you meet the wholesale investor requirements.
- 02
Review an opportunity
Receive the property, loan, security, term and return information relevant to the mortgage.
- 03
Independent assessment
Take the time you need to seek independent legal and financial advice.
- 04
Invest and stay informed
Complete documentation, receive regular interest distributions and remain in direct contact with the team.
Wholesale investors only
Start with a direct conversation.
Unsure whether you qualify as a wholesale investor? Review the Financial Markets Authority guidance and speak with your lawyer or financial adviser before enquiring.
FMA wholesale investor guidance