Investor Insights
Blossum Insights
Understand The
Fundamentals.
Invest With Clarity.
Plain-language guides to private credit, PIE fund structures, and property-secured lending in New Zealand. Built for wholesale investors who want to know exactly what’s behind their investment.
All Guides & Resources
01
Fund Basics
What Is a PIE Fund?
How New Zealand’s Portfolio Investment Entity structure can create a meaningful tax advantage, with PIR capped at 28% for eligible investors.
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02
Security
First vs Second Mortgage Explained
What registered mortgages mean for property-secured lending, and why the ranking matters when you’re evaluating where your capital sits.
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03
Risk
How Loan-to-Value Ratios Affect Risk
Why LVR is one of the most important metrics in property-secured lending, and how a disciplined 75% cap builds real headroom into every loan.
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04
Market
NZ Property Market Insights
What wholesale investors in property-secured lending should understand about the NZ property market, and what actually matters for fund performance.
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05
Market Update
RBNZ April 2026 OCR Decision
What the RBNZ’s April 2026 Official Cash Rate decision means for NZ private credit, and why property-secured yields still stand out against falling term deposit rates.
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06
Positioning
Real Estate Collateral: The Hidden Edge
Why tangible, registered real estate security gives NZ private credit a structural advantage over unsecured or corporate-debt strategies, and how it shapes risk-adjusted returns.
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Ready to Put Your
Capital to Work?
Target return of 8% p.a. (after fees, before tax). Monthly income distributions. Returns generated from loans secured over NZ property. Wholesale investors only. Returns are not guaranteed and may vary.
Explore the Fund →Wholesale investors only · Past performance is not a guarantee of future returns · T&Cs apply