More than 25 years' partnering with Kiwis

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.

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

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.

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.

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.