Property-secured income, now open to New Zealand retail investors.
Blossum Investment Holdings Limited gives New Zealand retail investors access to the same property-secured lending strategy as our wholesale fund. Your capital flows into a diversified portfolio of loans secured by first and second registered mortgages over New Zealand property, with 7% p.a. returns before tax and income distributions expected quarterly.
Returns are not guaranteed and are stated after fees, before tax. Your capital is at risk. The full offer, terms, fees, minimum investment and disclosure documents are available on the Catalist platform. This is general information only and is not financial advice. Please read the offer documents on Catalist before deciding to invest.
A simple structure behind a property-secured strategy
Blossum Investment Holdings Limited (the Company) is an investment company managed by Blossum Private Wealth Trust Limited (the Manager). When you invest, your money goes into the Company, and the Company invests substantially all of its capital into units of the Blossum Wholesale Investment Fund (the Fund).
The Fund is a wholesale investment vehicle that invests in a diversified portfolio of property-secured private credit across New Zealand. Because the Company’s capital sits in the Fund, the performance of the Company and the performance of the Fund are expected to be fundamentally similar.
The Fund’s objective is to generate regular distributions of income for investors by lending against a diversified portfolio of first and second ranking mortgages over New Zealand residential, commercial, development and selected rural property. Units in the Fund are managed investment products as defined in the Financial Markets Conduct Act 2013.
Short-term loans, secured over New Zealand property
The Fund invests in a diversified portfolio of short-term, secured loans supported by first and second registered mortgages over New Zealand residential, commercial, development and selected rural property. The strategy focuses on stable income generation and risk-controlled capital protection, and all assets, income and reporting are denominated in NZD.
Returns
After fees, before tax, measured on Net Asset Value. Returns are not guaranteed and actual returns could differ from any projection.
Income Distributions
Distributions are expected to be paid quarterly to shareholders, funded by interest income from the underlying loan portfolio.
Loan Terms
Standard loan terms of 6 to 12 months, with extensions up to 24 months at the Manager’s discretion.
Portfolio LVR Cap
Weighted average and aggregate portfolio loan-to-value ratio capped at 75%. First mortgages capped at 70%; second mortgages at 75%.
Security
Lending on fee-simple titles only, with no lending on leasehold or cross-lease land. All development lending is secured by first registered mortgages over freehold land.
Diversification
No more than 5% of Fund assets advanced to any single borrower or related group, once the Fund reaches operational scale within 12 months.
A diversified loan book, not a single bet
The Fund’s strategic asset allocation is designed to balance income generation with capital preservation. The ranges below are portfolio allocation guidelines rather than fixed or binding constraints, and actual exposures may vary depending on market conditions and available lending opportunities.
Cash and term deposits are held only with New Zealand registered banks, diversified across 30, 60 and 90-day maturities. Source: SIPO, Benchmark Asset Allocation and Liquidity Management.
Invest through Catalist, step by step
This investment is offered to retail investors through Catalist, a licensed financial product market. Catalist hosts the full offer, the disclosure and terms, and handles your application from start to finish. The complete offer document and binding terms for this investment live on Catalist.
Open the offer on Catalist
Head to the Blossum Investment Holdings Limited listing on Catalist to see the live offer, the disclosure document, terms and key dates.
Read the offer document
Review the offer details, returns, distribution approach, fees, minimum investment, risks and redemption terms set out in the Catalist documents before you decide.
Apply and invest on Catalist
Complete your application and investment directly on the Catalist platform. All applications and settlement are handled by Catalist.
The binding terms sit on Catalist
The numbers on this page describe the Fund strategy and lending parameters. The specifics of this retail offer, including the minimum investment, fee schedule, offer period, redemption and withdrawal terms, and the exact disclosure wording, are set out in the live listing on Catalist. They are not finalised here by design, so always read the current Catalist documents before you invest.
- Minimum investment for this offer
- Fees, costs and the full fee schedule
- Offer period and key dates
- Redemption and withdrawal terms
- The disclosure document and current SIPO version
Prefer to talk it through first? Send us an enquiry and the Blossum team will be in touch.
Key risks you should understand
Like any investment, this involves risk and your capital is at risk. Returns are not guaranteed. The points below are a plain-language summary only and are not a complete list of risks. The full risk disclosures are set out in the offer documents on Catalist, which you should read before investing.
Returns are not guaranteed
The 7% per annum figure is stated after fees, before tax, and is not guaranteed. Actual returns could be lower, and distributions could be reduced, paused or not paid.
Your capital is at risk
You could lose some or all of the money you invest. Investments are not bank deposits and are not guaranteed by any party.
Borrower and credit risk
The Fund lends to borrowers who may default. On default the Fund exercises rights under its security, including mortgagee sale, but recovery is not assured and may take time.
Property market risk
The value of the security is tied to New Zealand property. A fall in property values can reduce the protection that mortgages provide.
Liquidity risk
Mortgage loans are inherently illiquid. Access to your money depends on the redemption terms of the offer, which are set out on Catalist. You may not be able to withdraw on demand.
Development lending risk
Part of the portfolio is development and construction lending, which carries completion, cost and pre-sale risk, managed through staged drawdowns and monitoring.
See the full offer on Catalist
The complete offer, disclosure document, terms, fees, minimum investment and eligibility details for Blossum Investment Holdings Limited are available on the Catalist platform. Read them in full before you decide to invest, or send us an enquiry if you would like to talk it through first.
Important information
This page is general information only. It is not financial advice and does not take into account your personal financial situation, objectives or needs. It is not an offer or recommendation to invest. Before making any investment decision you should read the full offer and disclosure documents available on Catalist and consider seeking advice from a licensed financial adviser.
Blossum Investment Holdings Limited is the issuer (the Company) and is managed by Blossum Private Wealth Trust Limited (the Manager). The Company invests substantially all of its capital into the Blossum Wholesale Investment Fund. This investment is offered to retail investors through Catalist, a licensed financial product market. All applications to invest are made on the Catalist platform: view the offer on Catalist.
Any return shown is stated after fees, before tax, and is not guaranteed. Actual returns could differ from any projection and could be negative. Investments are not bank deposits, are not guaranteed, and your capital is at risk. You could lose some or all of your investment. Past performance is not indicative of future results. All figures on this page describing the fund strategy, returns, distributions, loan terms, security and lending parameters are drawn from the Statement of Investment Policy and Objectives for Blossum Investment Holdings Limited; the binding terms of the offer are those set out in the documents on Catalist.
