8% p.a. income, secured by NZ property.*
A New Zealand PIE fund that pools wholesale capital into property-secured business lending. Monthly distributions, conservative LVR limits, and a 28% PIR cap on tax.
* Returns are after fees, before tax. This offer is open to wholesale investors only, as defined under the Financial Markets Conduct Act 2013. Not available to retail investors. Past performance is not a guarantee of future returns. T&Cs apply.
See your income.
Move the slider or type an amount to see what the Fund's 8% p.a. return looks like as annual and monthly income, before and after the 28% PIE tax rate.
Minimum wholesale investment NZD $150,000. Amounts below the minimum are rounded up for this estimate.
At 8% p.a. return
Indicative only. 8% p.a. is not guaranteed. After fees, before tax; NZ investors taxed at 28% PIE rate (PIR). Not financial advice.
Blossum
Wholesale Fund.
Blossum Wholesale Fund offers wholesale investors a disciplined way to preserve and grow wealth. Your capital is deployed into secured business lending across New Zealand, giving you stable exposure with the reassurance of real assets behind every loan.
Built on Discipline.
Every dollar lent is underwritten against a strict framework. Here is how we keep your capital working without taking shortcuts.
Property-secured private credit, built for income.
New Zealand's banks now put a more limited share of their balance sheets toward non-standard lending such as bridging, development and time-sensitive funding. That has opened an access gap: strong borrowers with sound property security cannot always get timely finance. Blossum lends into that gap on conservative terms, giving wholesale investors secured, income-generating exposure backed by real New Zealand property.
Attractive Risk-Adjusted Returns
Private credit can offer higher yields than public debt markets, reflecting its bespoke nature and active management. The Fund seeks 8% p.a. returns (after fees, before tax), supported by conservative LVR limits and secured lending.
Tangible Security
Loans are secured against real property through registered first and second mortgages, backed by independent valuations and conservative loan-to-value limits within a 75% portfolio cap. A security-backed framework that helps protect investor capital.
Low Correlation to Markets
Returns are driven by contracted interest payments rather than public-market sentiment, which can make secured private credit a useful diversifier through uncertain economic cycles.
Rigorous Due Diligence
In-depth credit assessment and stress testing on every loan before it is approved.
Independent Valuations
Security is valued by independent registered valuers, with title and ranking confirmed.
Active Monitoring
Borrower performance and covenants are monitored monthly throughout each loan term.
Strong Governance
An independent Advisory Board and Investment Committee provide oversight, with quarterly reviews and FMCA compliance.
Available to wholesale investors only, as defined under the Financial Markets Conduct Act 2013. The 8% p.a. figure is not a guarantee, and actual returns may differ. All investments carry risk, including the risk of loss of capital. This is general information, not financial advice. Seek independent advice before investing.
Why wholesale investors choose Blossum as their investment platform.
Invest With Clarity
We make mortgage-backed investment straightforward for wholesale investors: easy onboarding and dedicated Investment Managers always on hand to answer questions.
Looking Out For Your Interests
We cap LVR at ≤70% on first mortgages and ≤75% combined on second mortgages, review independent valuations, verify borrower cash flows and credit history, and complete title/PPSR and legal checks before settlement.
Simple Tax & Reporting
We deduct PIR, pay net interest to your bank account and issue monthly statements plus a year-end summary, all the paperwork sorted for you.
Everything you need to evaluate the Wholesale Fund.
The Investor Pack is sent only to wholesale investors. Once you submit your details, we’ll email the Information Memorandum, fund terms, recent deal summaries, and a calendar link to book a call with an Investment Manager.
Tax on income from NZ-source interest through our PIE fund is capped at the investor’s Prescribed Investor Rate (PIR), with a maximum of 28%, significantly lower than the top marginal income tax rate.
Learn about PIR on ird.govt.nz →Are you eligible to invest?
You qualify as a wholesale investor under the Financial Markets Conduct Act 2013 if you meet any of the following:
- Investment activity threshold (e.g. ≥NZ$1m in financial products in the last 24 months)
- Net assets or annual gross income test ($1m+ net assets or $200k+ income for two consecutive years)
- Eligible investor certified by a qualified person (e.g. lawyer, accountant, financial adviser)
- Minimum investment of NZ$750,000 in the Fund
Let’s Talk.
Get the full Investor Pack: fund terms, structure, fees, and the latest deal pipeline, sent straight to your inbox. Then book a call with our team to walk through the detail.
Our investment products are limited to select wholesale investors only. Please note that past performance is not a reliable indicator of future performance, and the rates we offer could change in the future. Terms and conditions apply.
Questions,
Answered.
It’s straightforward: you (as a wholesale investor) provide funding to a business or property borrower and earn interest for a set period. Each offer is a specific loan with a clear interest rate and a defined term, and it’s secured by the borrower’s property (usually via a first or second mortgage).
Borrowers seek funding from Blossum for short-term, flexible funding (e.g., bridging or working capital) when timing, structure, or security requirements don’t fit standard bank lending. Each loan is assessed on creditworthiness and security, with terms set out in the loan agreement.
Yes. Interest paid to NZ-resident investors is generally subject to Resident Withholding Tax (RWT). Non-resident investors are generally subject to Non-Resident Withholding Tax (NRWT) or, where applicable, Approved Issuer Levy (AIL). We deduct and remit withholding tax as required by law.
This isn’t tax advice. Please seek advice for your situation. Find out more here.
We look at a borrower’s ability and willingness to repay, including (as relevant) cash flow, leverage and liquidity, security values/LVR, sector conditions, and exit strategy. We also review credit history of the borrower and key principals (e.g., defaults, judgments, insolvency, litigation) and complete standard KYC/AML checks.
If a borrower repays early, we pass through principal and any interest accrued up to the repayment date, as set out in the loan agreement. Early repayment can reduce the total interest you receive compared with holding to maturity. You can redeploy funds into another available opportunity if you choose.
Loans are secured, typically by a first-ranking or second-ranking mortgage over the borrower’s property and/or other acceptable security. We generally cap LVR at a maximum of up to 75%, subject to the specifics of each loan. Security and ranking are detailed in each investment memorandum.
Terms are loan-specific and usually 6-12 months. The contracted maturity date is set out in the loan agreement. Extensions or early repayments can occur in line with the agreement, which may change the timing of interest and principal.
Although Blossum has never suffered any loss of investor capital or interest, it is important to understand that there is risk involved with investing. These risks could involve the borrower defaulting on a payment, or being unable to exit the asset to recover the full amount of capital. Blossum takes steps to ensure that all funds invested are secure. We do not lend more than 75% of the property value.
However, as with any form of investment, there is always an element of risk involved, so it is important to understand these risks before committing capital.
