Southern Cross Partners | Investments Backed By Property

We offer a hands‑on, transparent approach to property investing, giving you direct access to high‑quality, first‑mortgage property loans.

Sourced through trusted mortgage advisers and directly from borrowers, each loan is secured by real property and carefully assessed before being made available to investors.

Unlike traditional property ownership, this approach allows you to invest in individual loans that align with your risk appetite, time horizon, and income goals.

We invest our own capital first, and provide detailed information on every loan and underlying security, so you can make informed decisions with confidence.

What is peer-to-peer investing?

Peer-to-peer (P2P) is a mechanism whereby an intermediary (us) puts an Investor (you) together with a borrower. The intermediary (us) manages both sides of the relationship. The Southern Cross Financial Group has been providing mortgage lending since 1997 and Contributory Mortgage Investing since 2009. P2P is simply the modern term for what we have been doing for years. Where we differ from most other P2P providers* is that:

1. We have proven experience and track record
2. All of our loans (your investments) are secured by way of a 1st registered mortgage over Real Estate
3. We use our own money to fund the loans initially, so this ensures that we have a robust credit system and are happy with each and every loan we make and then offer to our investors

*Some other P2P providers may have one or more of the above attributes.

Where do the loans come from?

The loans we lend on, and are offered to investors, come to us either via our network
of mortgage advisers across New Zealand, or direct from the borrower. Each loan application is rigorously assessed by our credit team to ensure it meets our strict criteria. We do not provide loans, or security property, from other property investment companies on our platform

How safe is my investment?

All investments carry risk, however, SCP peer to peer investments are supported by a first mortgage registered against a piece of Real Estate. Better yet, you are able to select the location and the Loan To Value ratio that best suits your investment risk profile and investment strategy.

Do you help me choose my investment?

Legally we are unable to give you investment
advice or help you choose an investment.
We can help explain any unclear procedural
matters, including questions about the portal.
If you would like advice regarding your overall
investment strategy, we encourage you speak
to a suitably qualified Authorised Financial Advisor.

What is the minimum investment?

Our minimum investment can be as low as $10,000.00 (ten thousand dollars) per individual loan but subject to availability. Each loan will have its own set minimum investment which can be dependent on the total loan amount and the number of preferred investors in a loan. For example a loan of $1m or more may have a minimum set of $50,000 allowing 20 investors to invest.