Earn Real Returns Through First Mortgage Property Lending
Currently offering returns to wholesale investors from 7.5% p.a. - 10% p.a.
Currently offering returns to wholesale investors from 7.5% p.a. - 10% p.a.
Hudson Finance provides wholesale investors with access to curated, first mortgage lending opportunities secured by New Zealand property. With over 30 years of combined experience in structuring and managing private investments, Hudson offers a transparent and flexible investment model where you choose which loans to participate in, how much to invest, and receive monthly interest payments directly.
All investments are held on bare trust by Hudson Nominees Limited for the benefit of individual investors, with a clear separation between Hudson’s operational business and its nominee trust account. This structure ensures your funds and investments are safeguarded. Each opportunity is subject to strict lending criteria and is backed by registered mortgage security, giving you confidence and control over your investment decisions.
First Mortgage Security – Registered first mortgages over NZ property
Investor-Directed – You select which investments to participate in
Interest rate returns - from 7.5% p.a. - 10% p.a (less RWT)
Conservative Loan to Value Ratios –
- Max 70% against improved land
- Max 50% against vacant land
Minimum Investment – From $5,000 NZD
Experienced Team – 30+ years’ combined experience in structuring and funding private investments
1. We Assess & Structure the Loan
We source first mortgage, property-backed loans through a trusted network of brokers, advisers, and direct borrower relationships. Each loan is secured by a first registered mortgage and undergoes comprehensive due diligence, where we carefully assess the borrower’s background, financial position, and the security property to ensure it meets our strict lending criteria before presenting it to investors.
2. You choose whether to Invest
Once a loan is approved, we present the opportunity—along with comprehensive loan and investment details—to our wholesale investors. You have full discretion to decide whether to participate and the amount you wish to invest. If you choose to proceed, we provide an investment authority form for you to complete, confirming your commitment to the loan.
3. Transfer & Advance
You deposit your investment funds into Hudson’s designated trust account.
Hudson Nominees Limited then registers a First Mortgage over the security property and advances the funds to the borrower’s solicitor’s trust account.
Hudson Nominees acts as the lender on title and holds the mortgage on bare trust for you as the beneficial investor.
4. Monthly Returns & Loan Management
Once the loan settles, Hudson Limited manages the loan on behalf of investors, including monitoring repayments and liaising with the borrower. You’ll receive monthly interest payments directly to your nominated bank account. At the end of the loan term, your principal is either repaid or the loan may be offered for renewal, subject to your approval.
📄 1. Investor Registration Form
To begin your journey with Hudson, please complete our Investor Registration Form. This form captures all essential details required to set up your investor profile.
To signup as an investor please email us at invest@hudson.co.nz and we’ll promptly send you an Investor Registration Pack to complete as part of the onboarding process.
🔍 3. Complete Client Due Diligence
Once we have received your completed and signed Investor Registration Form along with your Wholesale Investor Certificate, and it has been confirmed that you meet the wholesale investor criteria, we will then carry out the required identity and address verification.
Hudson Finance, or one of our trusted third-party due diligence providers, will guide you through this process to ensure it is as simple, secure, and straightforward as possible.
Our team is here to support you every step of the way and make the onboarding process seamless.
🧾 2. Provide Wholesale Investor Certificate
To invest with Hudson, you must qualify as a wholesale investor under New Zealand’s Financial Markets Conduct Act. This ensures that our investment opportunities are offered exclusively to experienced or eligible investors who meet specific criteria. Please contact us at invest@hudson.co.nz , and we’ll provide the form along with your Investor Registration Pack to complete as part of the onboarding process.
If you're unsure whether you qualify, we encourage you to review the official FMA guidance here:
🔗 Am I a Wholesale Investor?
📂 4. Account Setup & Ready to Invest
Once all required documentation is received, Hudson will create your investor account. You’ll then be able to begin investing in available opportunities of your choosing.
When you make your first deposit into Hudson’s trust account, we’ll also verify your nominated bank account for interest payments.