Returns from property-secured lending, now open to New Zealand retail investors.
Blossum Investment Holdings Limited, a listed investment company on Catalist, gives New Zealand retail investors access to the same property-secured lending strategy as the Blossum Wholesale Investment Fund. Your capital flows into a portfolio of loans secured by first and second registered mortgages over New Zealand property, with a target return of 7% p.a. after fees, before tax, and distributions expected quarterly.
Returns are stated after fees, before tax. Returns are not guaranteed and may vary. 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 a listed investment company on Catalist and the retail vehicle for this offer, managed by Blossum Private Wealth Trust Limited (the Manager). When you invest, your money goes into the Company, and the Company places it into the Blossum Wholesale Investment Fund (the Fund). In plain terms: your money backs short-term loans secured by first and second registered mortgages over New Zealand property.
The Fund does the lending. It advances short-term loans to New Zealand borrowers and holds first and second registered mortgages over New Zealand property as security. 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 income for distribution to investors by lending against New Zealand residential, commercial, development and selected rural property, secured by first and second registered mortgages, across a loan book that is intended to be diversified. Units in the Fund are managed investment products as defined in the Financial Markets Conduct Act 2013.
Returns from property-secured lending, on a regulated market
This retail offer gives you access to the same property-secured lending strategy that sits behind the Blossum Wholesale Investment Fund, packaged so that everyday New Zealand investors can take part. The offer is made through Catalist, a licensed financial product market, and every step, from the disclosure document to your application, is handled on that regulated platform.
The Fund lends, it does not buy property
Your capital backs loans, not property purchases. The Fund advances short-term loans to borrowers and holds first and second registered mortgages over New Zealand property as security, deal by deal. If a borrower defaults, the Fund can enforce that security, including by mortgagee sale, to seek to recover capital.
Real security, assessed deal by deal
Every loan goes through a full credit assessment before any money is advanced. Lending is on fee-simple titles only, and the weighted average LVR across the loan portfolio is capped at a maximum of 75%.
Distributions expected quarterly
The Company targets returns of 7% p.a. after fees, before tax, with distributions expected to be paid quarterly to shareholders. Distributions are funded by interest income from the underlying property-secured loan portfolio of the Fund.
The 7% p.a. figure is a target, stated after fees, before tax, and is not guaranteed. Your capital is at risk. The full terms, fees and disclosure documents for this offer are on Catalist.
Short-term loans, secured over New Zealand property
The Fund makes short-term, secured loans backed by first and second registered mortgages over New Zealand residential, commercial, development and selected rural property. Lending may be spread over a number of loans and property types. The strategy focuses on regular income generation with disciplined risk controls, and all assets, income and reporting are denominated in NZD.
Target Return
After fees, before tax, measured on Net Asset Value. Actual returns could differ from any projection, and your capital is at risk.
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.
Weighted Average LVR
The weighted average LVR across the loan portfolio is capped at a maximum of 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 loan book designed for diversification
The Fund’s strategic asset allocation is designed to balance income generation with prudent risk management. 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 the process for selling shares through the secondary market auction, all 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, the process for selling shares through the secondary market auction, 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
- How to sell shares through the secondary market auction
- 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. The complete set of key risks for this offer is set out in the full offer document and Information Memorandum on Catalist, where each risk is explained in detail. Read those disclosures in full before you decide to invest.
- Understand the key risks in the full offer document on Catalist
- Review the Information Memorandum for how each risk is managed
- Consider whether this offer suits your circumstances, and seek advice if you are unsure
