Returns of 7.00–8.50% p.a.
Current indicative investor returns, agreed per transaction and not guaranteed.
Invest with Hudson
Direct first-mortgage investment, one loan at a time.
Hudson connects private investors with individually selected, property-backed lending opportunities. Rather than investing through a single managed pool, you review each opportunity separately and decide which loans — if any — align with your own investment preferences.
Each opportunity is presented with information about the property security, valuation, loan-to-value ratio, borrower, loan term, interest rate and proposed exit strategy.
Investment opportunities are available only to wholesale investors, including investors who qualify through the Eligible Investor criteria, under the Financial Markets Conduct Act 2013.
See the property. Understand the transaction. Make your own decision.
Property-backed private investment
First-mortgage security
Registered first mortgages over New Zealand property.
Individual selection
Choose the individual lending opportunities in which you wish to participate.
Short-term lending
Loan terms generally range from 3 to 24 months.
Regular income
Interest is generally paid monthly, subject to payment by the borrower and the terms of the particular loan.
How it works
Straightforward, transparent and individually selected.
- 01
Register your interest
Tell us about yourself, your investment experience and the types of opportunities you may be interested in. A member of the Hudson team will contact you to explain our investment structure, answer initial questions and help determine which wholesale-investor documentation applies to you.
- 02
Complete investor onboarding
Before receiving or participating in investment opportunities, you will need to complete Hudson’s registration, identity-verification and investor-certification requirements.
- 03
Review individual opportunities
When a suitable lending opportunity becomes available, Hudson provides an opportunity summary setting out the property and mortgage security, valuation and proposed LVR, borrower background and loan purpose, loan amount, term and interest rate, interest-payment structure, proposed repayment or exit strategy, and material transaction-specific risks. You decide whether to participate and how much you would like to invest. There is no obligation to participate in any particular opportunity.
- 04
Confirm your participation
For each loan you select, you will be provided with the relevant investment documentation, including an Authority to Invest describing the loan and your proposed investment amount. Your participation is not final until the necessary documents have been completed, funds have been received and the transaction proceeds to settlement.
- 05
Receive updates and repayments
Hudson administers the loan and communicates with investors throughout its life. Interest is generally distributed monthly after it is received from the borrower. At repayment, your principal and any final amounts received are returned in accordance with the loan documents.
What will I need to provide?
- Investor Registration Form
- Applicable wholesale or Eligible Investor certificate
- Identity and residential-address verification
- Entity, authority and beneficial-owner information where applicable
- Evidence of the nominated bank account
A different way to invest
Direct participation — not a pooled fund.
Hudson funds its loans through direct participation from private investors rather than through a single managed investment pool. Each loan is presented as a separate opportunity, your investment is allocated to the particular loan you select, and returns and repayments depend on the performance of that loan. You are not automatically diversified across Hudson’s wider lending portfolio.
Understanding Hudson’s investment model
Hudson’s structure
- Review individual loans
- Select each participation
- Loan-specific information
- Loan-specific performance
A pooled structure
- Invest into a wider pool
- Manager allocates the capital
- Portfolio-level information
- Returns spread across a portfolio
The “one loan at a time” structure means your investment is concentrated in the specific loan you select — see Understanding the risks below.
Conservative where it matters
Every assessment starts with the security.
Hudson considers short-term loans secured by registered first mortgages over New Zealand property. Each transaction is assessed and communicated clearly so you can make your own informed assessment.
Before an opportunity is presented, our team assesses:
Property and location
Property type, location, valuation, condition, demand and likely marketability.
Proposed LVR
The proposed loan amount relative to the value and first-mortgage security position.
Borrower and purpose
Borrower background, experience, loan purpose and ability to execute the proposed strategy.
Interest servicing
How interest is intended to be paid or otherwise provided for during the loan term.
Proposed exit strategy
The expected repayment event and the evidence supporting its timing and credibility.
Legal and credit risks
Material legal, credit, ownership, tax and transaction-specific considerations.
Investor suitability
Whether the transaction is suitable for Hudson’s available investors and current appetite.
Typical lending parameters
- Improved property
- Up to 70% LVR
- Vacant land
- Generally up to 50% LVR
- Loan term
- Generally 3–24 months
- Security position
- Registered first mortgage
- Interest
- Generally serviced monthly
These are general parameters only. Actual terms and LVRs vary according to the security, valuation, location, borrower, loan purpose, exit strategy and overall transaction risk. Other interest arrangements may apply to a particular loan.
What investors receive
The information to assess each opportunity.
An individual opportunity summary
A transaction-specific overview of the security, valuation, LVR, borrower, loan purpose, interest rate, term and intended exit strategy.
Supporting information
Depending on the transaction, valuation information, property details, photographs, borrower information and other relevant supporting material.
Your own choice
Participate only in opportunities that align with your preferences. Registration does not oblige you to invest, and Hudson does not require you to participate in every loan.
Direct communication
Speak directly with the Hudson team about the opportunity and the administration of your investment.
Ongoing reporting
Communication through the life of the loan — settlement confirmation, interest-payment information, material loan updates and repayment information.
Clear documentation
For every participation, documentation identifying the relevant loan and the amount you have elected to invest.
Who can invest?
Hudson investments are for wholesale investors only.
Hudson’s investment opportunities are not retail investment offers. To participate, you must qualify as a wholesale investor under the Financial Markets Conduct Act 2013.
Check the general eligibility categories
There are several ways a person or entity may qualify. These include certain investment businesses, large entities, investors meeting prescribed investment-activity criteria and investors making a qualifying minimum investment.
A person may also qualify as an Eligible Investor based on sufficient previous experience in acquiring or disposing of financial products. An Eligible Investor certificate must describe the relevant experience and be confirmed by an appropriate financial adviser, chartered accountant or lawyer in accordance with the applicable legal requirements.
Not sure which category applies?
You do not need to determine everything before contacting us. Register your interest and our team can provide the relevant forms and explain Hudson’s onboarding requirements. Hudson cannot provide legal or financial advice about whether you qualify or whether an investment is appropriate for you — you should obtain independent advice where required.
Understanding the risks
Property security does not make an investment risk-free.
All investments involve risk. Before deciding to invest, you should consider the particular opportunity, read the investment documents and obtain independent financial, legal and tax advice where appropriate. Relevant risks may include:
Borrower default
The borrower may fail to pay interest or repay the loan when due.
Delayed repayment
A property sale, refinance, subdivision, consent, title or other proposed exit may take longer than expected.
Property-value risk
The value realised from a security property may be lower than its valuation or may decline during the loan term.
Enforcement costs and delays
If enforcement is required, legal, receivership, sale and other costs may be incurred, and recovery may take time.
Loss of income or capital
Interest payments may be delayed or not received. Investors may lose some or all of their invested capital if the secured property and other recoveries are insufficient.
Liquidity and concentration
An investment generally cannot be withdrawn on demand and is exposed to the performance of the particular loan selected.
A registered first mortgage provides security but does not guarantee repayment or eliminate investment risk.
Questions answered
Frequently asked questions.
Is Hudson a managed fund?
No. Hudson facilitates participation in individual property-backed loans. Investors review and select each opportunity separately rather than contributing to a single pooled fund.
Am I required to invest after registering?
No. Registration allows Hudson to complete its onboarding process and present suitable opportunities. You decide whether to participate in each loan.
How much can I invest?
Investment amounts depend on the particular opportunity, available allocation and applicable wholesale-investor requirements. Ask the Hudson team about your preferred investment range during registration.
When is interest paid?
Interest is generally paid monthly after it is received from the borrower. The payment structure and timing are set out in the documents for each opportunity.
Can I withdraw before the loan is repaid?
An investment is not an on-call account and generally cannot be withdrawn on demand. Any ability to transfer or exit early would depend on the governing documents and Hudson finding an acceptable replacement investor, if permitted. It should not be assumed that an early exit will be available.
What happens if the borrower is late?
Hudson will communicate material developments to affected investors and take the steps it considers appropriate under the relevant loan and security documents. Outcomes and timing will depend on the circumstances.
Does a first mortgage guarantee repayment?
No. It gives the secured lender priority over later-ranking secured creditors in relation to the relevant property, subject to the applicable law and prior-ranking claims, but does not guarantee that the property will realise enough to repay all amounts.
Can Hudson advise me whether to invest?
Hudson provides information about its loans and investment process but does not provide personalised financial advice about whether an investment is suitable for you.
What documents do I need?
Generally, an Investor Registration Form, the applicable investor certificate, identity and address verification, and evidence of your nominated bank account.
Can companies and trusts invest?
Potentially, subject to the entity satisfying Hudson’s onboarding, authority, AML/CFT and wholesale-investor requirements.
A direct line to the Hudson team
Questions before you register?
Speak directly with the people administering Hudson’s investment opportunities.
Tom Robinson
Finance Account Manager
021 189 1003tom@hudsonfinance.co.nzTaylor Newdick
Finance Account Manager
021 248 1117taylor@hudsonfinance.co.nzReady to learn more?
Register once. Choose each investment individually.
Registration does not commit you to invest. It allows our team to understand your preferences, complete the required onboarding and keep you informed when suitable opportunities become available.
Register your interestAvailable only to qualifying wholesale investors. All investments carry risk, including possible loss of income and capital.
Important information: Hudson’s investment opportunities are available only to persons who qualify as wholesale investors under the Financial Markets Conduct Act 2013, including persons who validly qualify through the Eligible Investor criteria. They are not available to retail investors. Wholesale offers do not provide all of the disclosure and other protections that apply to regulated retail offers. Hudson provides information about individual lending opportunities but does not provide personalised financial advice or recommend that any investment is suitable for you. You should make your own assessment and obtain independent financial, legal and tax advice where appropriate. Investments involve risk. Interest and repayment of capital are not guaranteed. A borrower may default, repayments may be delayed, property values may change, and enforcement proceeds may be insufficient to repay all amounts invested. Past transactions and stated lending parameters are not guarantees of future performance.